No Service

I cancelled my law on call policy as it provides no service at all! I got a call on Tuesday evening at around 6:05pm , the consultant on the phone was so unprofessional , he has a nerve to tell me keep it professional when he himself didn't know what he was calling me about but my so called compliant had been sent to him to sort out! surely you should have known what I am complaining about. every time I tried to make use of this service I was told it is not covered! I requested my premiums to be refunded to me but nothing has been done instead FNB debits me again another R75 this morning for a service that they cannot provide and a policy that i don't have!!! I DO NOT want a call from your mickey mouse club house again to tell me lets discuss, there is nothing to discuss give my money back, that's all i am asking and stop debiting my account for a service you cannot give!!!!