Debited premiums since lockdown for services not rendered

It is not a credit binding contract. Refund my four months debit order or cover my premiums for the past four months you debited me for services you committed to render. You did/could not render this services yet you debited my account. *********. I work for a financial institution & know my rights as a consumer so please do not for one second assume i am ********, illiterate or incapable of taking this matter further. I see you dont respond to complaints so i will make this reach the media