Refusal of policy cancelation prior inception.

In July 2024 I app**** for Discovery life cover through a Broker called Blue Mercury. I undergone the medical tests and everything was fine. The policy was supposed to incept on the 1st of September 2024 however the policy was not incepted and I was not informed as to why the policy was not incepted. On 11 September 2024 I contacted Blue Mercury requesting cancelation of the policy before it could be incepted. Blue Mercury promised to email me the cancelation form to complete and sign which to date they did not email to me. The following week I contacted Discovery directly requesting cancelation of the same policy, I was told I should contact the broker for cancelation. I contacted the broker yet again and they still promised to send me cancelation form which to date they did not send. I email them again informing them that I still didn't receive cancelation form but they ignored me. Come the 25th of September 2024 Discovery double debited my bank account. Why is it so difficult to cancel the policy but easy to join? The broker did all this on purpose until I got debited. I feel so ****med, what happened to a customer right to change mind about a product and cancel within the cooling off period? Why I was not informed promptly about the reasons the policy was not incepted on the date we agreed on? Now they double debited my account for a product I wanted to cancel before it could start. All of this was done deliberately by the broker who ignored my request to cancel the policy. I want my money back and this policy cancelled.