REFUND that you STOLE

i am soo disgusted by FNB, i have tried to apply for a policy with them and at the end of the application on line i requested for a consultant to contact me and this was in April already . i have never received any documentation form them nor did the consultant call me or speak to me to finalize. i have constantly reversed their debit order as i had not contractually agreed on the terms etc.. NOW recent they went again to debit my account A CRAZY AMOUNT of R391 which i never singed for . Since the 26th i have been calling and being send form pillar to post. On each call they have taken 26min to answer and the cut the call at some point . Unhelpful Simon and Ronel Ledwaba frustrated me even further . It is very simple I DO NOT HAVE A POLICY WITH YOU ESPECIALLY OF THAT STUPID AMOUNT >>IT HAS BEEN 8 DAYS ASKING FOR MY REFUND .YOU HAVE NOW CAUSED ME MORE THAN WHAT YOU HAVE STOLE ON MY ACCOUNT .RECTIFY NOW!!!!!!!!!!!!!!