Student being overcharged for policies and club card payment.

I opened an account with edgars this year in September 2017.the account got approved same day ,with the account i agreed upon a club membership of R44 and an cellphone insurance of R49. As i had taken a phone with my edgars account.but every month i see that i have funeral polies and accidenticial policies that i did not sign up for and account balance is not decreasing but increasing every month after paying.i have tried cancelling these policies and apparently they have been cancelled but my statement says otherwise.i am really dissapointed as to why edgars would do so to their customers who pay their account monthly without any hustles .