Additional charges and policies I did not sign up

I am very upset I checked my statement and noticed that although my balance has been paid and is much lower the financial charges and high ,I did call up Edgars to be advised by Charmaine that there is an account protection plan in place and a funeral policy .I know about the account protection but not the funeral policy ,I am employed by an insurance company for 15 years and I will not purchase a policy from another source as this cover is already added to my package FREE ,Yet Edgars has signed me up in 2011 for this and I have no idea how?So who gives Edgars a right to charge me for a product that was apparently sold by a third party I have no knowledge off and for 52 months I will not call Hollard as I do not have an business with them I have an Edgars account and if Edgars cannot protect me then I think that its better I should close my account and advise others of my experience ,I WANT MY MONEY BACK and no one has the right to add on a policy without my permission ,This is ***** and Edgars is liable,Call Hollard and refund me my money .I did not expect this sort of activity happening on account .The best part is this is not even shown on my statement as a funeral policy .