Incorrect Debit order -not happy

So i guess this is what it takes to get companies to assist.<br> <br> I had a policy with essential med - about 6/7 months ago which i cancelled before it even took into effect.<br> end of Jan 2015- they debit my account with R907, had no money in my account so it bounced.<br> I talk to them about that - because now Im left with bank charges to pay- they cannot refund me that amount because, i did not send though a written cancellation.<br> <br> Why was I not told when i cancelled on the phone?<br> <br> So now i must have the problem , when they made the stuff up??<br> <br> FIX IT PLEASE !!! - That is no excuse Im taking try another one.<br> <br> Regards