Angry customer

I recently cancelled my medical aid.. Firstly they accused me of not cancelling it on the 1st of September, but rather the 13th when I followed up and asked them what was going on, the person whom I spoke to told me I was lying, and I needed to prove! The call centre is free so it does not show up, and good luck to getting a bill from telkom! That was the first thing, I carried on because I just wanted to be done with this medical aid! Next thing I get a phone call saying because I did not cancel on the 1st I have to pay 2 payments in October, as well an excess of R420 due to the fact that all my savings have been used! I feel like this is slightly unjustified as I pay each month, over the past 10 months u couldn't fine that R420?? It seems like they are just looking to rip their customers off! As well as you are only able to get hold of a call centre.. U can't speak to anyone else.. And it fees as tho each time u phone u get told a different thing.. I will not pay that R420.. I refuse! Fedhealth have sucked me dry!