debited my account twice in one month for no reason. till date I'm still waiting for my refund.

i had already paid for May and i called them to cancel my policy but cover me till the end of May. one of their consultant called to try and retain the policy i refused due to their excesses and that I'm covered for market value instead of Retail.. the following week they debited my money without my consent. i did call and asked what was that for because they have debited me for May. they told me it was a mistake they will refund me. till now they haven't returned my money.