Unhappy and unable to cancel

This morning I'm highly irritated and upset,after trying several times to cancel a funeral cover I could not I manage to cancel one of the people that was covered but not the other one.Today I finally mamge to get airtime to call your call centre,just to hear that I cannot be refunded,why because I never received any email any paperwork to state the pros and cons of the contract because they used a email that does not even belong to me. To even avoid charges going off my account I changed the dates of the debit order to give me chance to be able to get in contact with FNB,all I want is my refund of the two months that was charged for November and December,Please email me because I'm not always available to answer calls ***