Discovery *****ing our money

My husband had a policy with Discovery, going now for almost 10 years. Firstly we were led to believe it is a study policy for my son, only to find out this year that this policy will only pay out in the event of my husband's death.

We then decided to cancel this policy, and an email was sent on 25 September 2018 requesting the cancellation. My husband received a reply that they will require a written & signed letter, which he completed and sent through on 1 October 2018. On 2 October 2018 he received a reply, saying his request has been send to the Cancellations Department.

On 17 October he sent a follow-up email, saying he has had no feedback/response yet. He did not receive a reply.

This morning he saw that Discovery again deducted the amount for the policy, even though we cancelled in time (30 days notice).

We want a refund immediately, and want to find out who is going to cover his banking fees.