Bad and dissappointing client service

My car is financed by nedbank , I got a call from one of their agents selling stretch and dents policy to me, she said to me they gonna deduct R79 for 24 months and she didn't tell me that If I dont claim I won't get my money back or some percentage from it.

I called them in December 2021 they told me my policy expired in May 2021 so I can't claim and I wont get my money back but they still debiting from my account ,I asked them why are they debiting my account if the policy expired, they said they gave innovation group the money for stretch and dents so they going to debit my account until I finish paying the car.

So I asked them what did innovation group used the money for because I didn't claim. And I can't take stretch and dents from other companies because Nedbank is stil debiting my account for the one that I didn't use. Is that fair?

Big companies taking money from poor people and keep it in their bank accounts.

So that means I wont have stretch and dents policy for my car until I finish it because I can't pay for another one while I'm paying the one that I didn't use.

I want my money back innovation group and nedbank .