Debited when cancelled

I am so furious I feel I can explode. We cancelled the policy way before its inception date as we had so many issues with you even before we became active clients. I phoned and cancelled, asked for a cancellation letter, whereby I was told the call serves as confirmation and was then debited today. If Discovery does not refund me IMMEDIATELY, I will file a formal complaint against you. No one gave you the right to debit anything from my bank account. And I dont want any excuses about it taking 24 hours or so many working days. PUT MY MONEY BACK IN MY ACCOUNT NOW! I will never be a client of Discovery! And I want confirmation that you have cancelled this policy for real this time.