Refund

I had a break in at my house in March 2016 my debt order was suppose to go off on the 15th i made arrangement for 31st. On the 1st of April i called the call centre i told the lady that am aware they did deduct can they deduct on that same day i also wanted to give her my new banking details to deduct from. Her reply was no we are in the new month.i told her but i made claims and things wear fixed .since well you guys cant deduct can i deposit the money she said no.then on the 12th i was ****** after submitting a claim.i was called and told that am i aware that my march prem was not paid i had to refund the claim R40000 i mean <br> I was told to submit a letter from the bank the lady will all me on Friday but never called but i called i went to the bank they told e on the 28th they had reopened my bank account and no debit orders were made on that day<br> Even on my bank statement no debit order of R489 was made but only R138 debit order was made if anything it would show so how is this my fault.how will i return this staff were i bought them as the receipts were ****** witj my had back how will i pay 40 000 and my policy why did claims check if my account was in order before pay out.