Unauthorised subscriptions and insurance

Feb 2017 Edgars has put a policy on my account since 2014.By telling me it was part of my account. After submitting a claim in september 2017.the insurance company rejected my claim . Saying it was activated this year 1march. So Novemeber. I recieved another acc statement with an active jet club. That was activated 28 October. WAS NEVER IN AN EDGARS OR JET ON THE DAY! Was in hospital. Now i called in again. To query why its still on my account- the lady says it was cancelled. I only have the airtime subscription on my account. But i have never received a cent of airtime from Edgars! CAN SOMEONE PLEASE EXPLAIN THIS TO ME? I WANT MY MONEY BACK! Edgars had better explain this