Debit after cancellation

I begged your office to debit my account for January and yes you never did. I cancelled your useless policy and took another one with a different insurer. You now have the audacity to debit my account for an error made by you. If I don’t get my full refund by tomorrow. I will report you to OSTI, I have all the time in the world, don’t try me. If it means I must drag your office to court for R2300 I will.