Pathetic Absa Activate

Absa activate has to be the worst organisation. I have never come across such incompetence and unprofessionalism. The kept submitting debit orders on the incorrect dates and for the incorrect amounts. I ended up with over R850 in bank charges for rejected debit orders. They eventually cancelled my policy for premiums not being received which was of no fault of mine and then after cancelling the policy in May decide to debit my account now for all outstanding premiums after I already took out insurance elsewhere. When contacting them for a refund they are unable to do so and suggested that I must reverse the debit order.When contacting Absa Bank to reverse my debit order they are unable to do so as it is their own product. So what happens to the client who is now put out of pocket due to negligence. Next step ombudsman