Being bul**** and *********ed into staying with IEMAS insurance

My name is Tlhakudi Moroane I have a total of 3 products with IEMAS financial Services ( namely, Purchase Card, Vehicle finance and Short term insurance) For the most part I have been happy with IEMAS financial services up until I started taking up a vehicle and home contents insurance with them, as that is when my hell started. When I took up vehicle finance with IEMAS I also insured the car with King Price but due to financial difficulties I ended up not being able to keep up with my premiums and the policy got cancelled. I was then contacted by IEMAS insurance brokers and ended up taking an insurance cover with them as having insurance was part or the vehicle financing contract. At the time I signed up the agreement was for pro-rated debit order for the month of June and July 2021 to be made on the 25th of June, and the monthly premium for August onwards to be done via my payroll from my salary but it wasn't done. I was then contacted by IEMAS for arrangements. We then opted for the 12th July for that debit order of which no debit order instructions were done on that day not sure as to why. No one ever contacted me and I figured everything was in order as the premium for August 2021 was reflecting from my July 2021 payslip which to me meant that June and July I did not have any cover and should anything had happened to me I would not have been able to claim. However on the 24th August 2021 when I got my salary advice I was shocked to realize that June, July and August premiums were all deducted in one soop from my salary without any concern and being inform, and that left me in a financial despair. I then contacted IEMAS to find out what was happening and that's when I was told that those were for those months, I tried explaining to the lady by the name Monique who was some sort of a supervisor what financial predicament their decision left me in and tried to request that I be given an opportunity to pay that arrears premium in installments as I had budgeted for that money since no one informed me that it was going to be deducted. And that's when the *********ing and bullying began, she told that they owed me nothing and I am not going to get any refund I then told her that I rather terminate my contract with then to which she said "since we IEMAS are the one financing your car you can only leave us if you joing another insurer and provide us with proof" and she also mentioned that they have already requested September 2021 premium from my payroll I told her that they need to refund me for september as I will no longer be with them and indeed I rejoined King Price effective from 1st September 2021 and I sent the documents to IEMAS as requested so that they can refund my cash and I can pay it over to King Price for September as per contract and this was on the 25th August 2021 By yesterday the 6th September I hadn't recieved my refund and King Price are saying that if I dont make a payment I won't be covered I then call IEMAS insurance again for a follow up, to which I was shockingly informed that I can only get my money on the 5th of October 2021 and have to remain with IEMAS for September 2021 and the only refund I might get will be for October as they have already requested and recieved premium for October 2021 from payroll on the 31 August even after sending them my cancellation documents and documents from King Price I was informed this by Nolwazi to whom I sent my second set of documents after sending the first to Vinolia I have never missed even a single payment on my vehicle with IEMAS since I started with them and now it feels like am being bul**** and *********ed into taking up their insurance as I am financed by them. They keep on making deductions from my salary *******ly or without my concern and I need Hello Peter to assist me with this bullying