Surprise insurance charges on policy

<p> I had sent the following complaint to Edcon via email...</p> <p>Account no. ********** ********** 16999. I now become worried about my account. I have realised that too many people employed by Edcon do as they wish with our accounts, the reason why I am saying this is that I was approached by one o f your employees who asked me to check on things on my account that I don't want, we checked and I cancelled all the insurances over the phone. One of the insurance was a cell phone insurance of which I did no bought. Later on I paid my account up to date and did not use the account for some months. To my surprise I receive my monthly statement reflecting. Overdue amount . When enquire about overdue amount , I was told about an insurance I bought after I have cancelled the ones I had. Of which it was not true, I cancel it too, over the phone again. Later on when I want to use my account, there was an overdue amount , that they told me is for service fee, which I was not told about. On their explanation they told me it is charged on the outstanding balance . Of which I did not have. I paid 76 rand because I was desperate I want to use my account. There after I email my concern to your offices. That was then I got a response with an explanation. On the 25 I receive a call enquiring about my overdue amount of 190 rand. I was advised to visit the store I went. The amount I was told about on the phone was different, it was now 104 rand. And all the insurances cancelled on the system. The collection department was consulted again. They told me about insurance and service fee, of which I don't know why my account was charged the 2 items. 1. Why service fee because I use my account the beginning of November, I am to pay end November? 2. Insurances are all cancelled. My biggest concern is that, I was not allowed to use my account because of the carelessness of somebody in there. Secondly I am over charged unnecessary.</p> <p> </p> <p>This was the response I received...</p> <p>Good day Mrs Maya</p> <p>Account Number: ********** ********** 16999</p> <p>In response to your email received, according to our records you have signed agreeing that the financial products (Edgars Family Funeral, Family Provider Plan and Service fee) may be charged onto your account, attached please find a copy of the signed acceptance documents for your perusal. <br /> <br />Herewith please find feedback for service fee:<br /> <br />Having taken into consideration the rising costs to provide unsecured credit to our customers, both Edcon and the credit provider, Absa Bank Ltd have regrettably been compelled to amend our credit agreements to introduce a monthly service fee on our credit accounts. The NCA (Act No. 34 of 2005 Section 101(1) (c)) allows credit providers to charge monthly service fees of up to a maximum of R60.00. Although these fees were waived by Edcon in the past, it has unfortunately now become necessary to charge a small fee of R22.80, which is well below the prescribed maximum.<br /> <br />Once you have accepted the change, the service fee forms part of our contract terms. Contracts cannot be changed unilaterally. That means you cannot cancel one of the terms of our agreement without our consent.<br /> <br />We acknowledge that settlement amount of R3662.25 was made on your account and no purchase was made on the month of September and October, however you were billed for financial products hence your account was in arrears with R72.10 and current arrears is R104.22. your total due dated 2/12/16 is R189.22.<br /> <br /> <br />Should you have any further enquiries please do not hesitate to contact us via the below mentioned contact details.</p> <p><br /> .... I'm not happy about this!</p>