I want my money back including the bank charges

EM-***-2 = R38 bank charge R9.50<br> EM-***-3 = R25 bank charge R9.50<br> EM-***-4 = R49 bank charge R9.50<br> <br> Since 2012-05 until 2016-02<br> <br> EM has since been debiting my account . All along I told myself it's an insurance only to find its Elite Mobile. I have all the records of our emails and reference number . On an email I even told them I don't want their phone but anyway the continued billing me for something I didn't agree on. If you want me to send you our email conversation I can certainly do so.