******** DEDUCTION FROM MY BANK ACCOUNT

I discovered an amount of R49.00 deducted from my account by FINCHOICE. I called them for clarity and was advised by VUYISWA that it was for a funeral policy, I did not apply for a funeral policy therefore I advised them that I was going to reverse the payment. The agent whom I was speaking to advised me not to reverse as the debit order will keep on coming back, instead she said they will refund me accordingly. There after I send them an email in order to cover myself even though they say their calls are recorded. Below is an extract of an email I send to FINCHOICE after an amount of R49.00 was deducted from my bank account without my knowledge and I did not know what is was for.

(R49.00 ( FINCHOICE ********** 1 180720 = R49.00 ) was debited from my account without my consent I was told it would be refunded, when can I expect the refund?)

Today I get this response from FINCHOICE:

Kindly be informed the is no refund due on your Funeral Plan as this was not cancelled within 30 days of commencement.

What is this? Did I apply for the policy, = NO Was I promised a refund hence I did not reverse = YES

Hoe can FINCHOICE be so devious?