Charged for insurance that I refused to join

I received a phone call from a consultant telling me about parent insurance of R45 but I refused it. After that I did not receive my statement for 2 months and had to request for it. Only once I got the statements did I see that I have been charged the R45 for both months (April + May). I called in again to query it and was told that they can cancel it but cannot refund because it's more than 30 days. My question is, if I refused the insurance why should I be charged if it was the consultant's fault? I requested for the recording and the consultant said there is no recording as it was opened at a Jet store in Rosettenville and said the consultant's code at Rosettenville Jet is PFS. How can there not even be a recording, to top it off the insurance was issued on the 1st of April 2015, I was at work that day. I work in Midrand and the Jet store they are talking about is 2 taxis away. I knock off at half 4 and the shop closes at 5pm. How could I have moved from Midrand to Rosettenville that quickly?<br> <br> I sent an email to the accounts department last week and I have not received any feedback until today. I have never had a query with Edgars but this makes me feel like I am not safe.