Worst service provider ever!!

I took out an additional policy with Innovation Group that would have covered my car from 165 000km, and the premiums were supposed to start being deducted in December 2019, since 3 consecutive debit orders are required to activate the policy. I stated to the sales person on the other end that they can only start deducting on 18/12/2019, as I did not have any funds in my account then, but my December bonus was going to pay out.

After so many hassles, and them informing me that they only received 1 debit order in Feb, I decided to cancel the extra policy, and rather take out a service plan with another service provider. I was then informed via e-mail (they didn't even bother to phone me) that there was no refund due, even after the fact that the service was not rendered, and that there would be no refund after the cooling- off period... What the hell??? So, they can just take their R281 per month (even after just one month) and if a customer cancels the service plan, they pocket the money? How many people have they ****med into this??? I think they should reconsider extending their cooling period to 3 months (or 3 debit orders).This is probably the worst service provider I have had to deal with in a long time. Best to avoid them altogether… I don't expect a call from them, as they haven't even bothered phoning me with my last 3 requests to do so...