They do things without clients knowledge

i was about to take delivery of a polo vivo 1.4 2013 model , which i didnt end up taking , instead took a 2014 Chev .on the 2nd of august i received a sms from standard bank to notify me that a debit went off for an amount of R80.03 to IUA ,which is a company ive never heard of, i then called them and spoke to a guy @ the cancellations dept ,i then received and email from Dudu Ngubane Cancellations Administrator,telling me that i need to get proof from soweto VW that i didnt take the polo vivo so they could reimburse me,i then call the sales consultant from soweto VW and he says they dont deal with this insurance company,im frustrated about who the heck gave you guys permission to take out money from my account and who gave you guys my account details,i was never informed about this,when i need to be reimbursed all of a sudden i need to be involved,you guys only want to make money and not think for your clients, i was not even contacted as a courtesy call , no documents where sent to me,ive spoken to 4 different people and not one of them came back to me regarding this matter,is this they way you treat your clients?all this makes me think are guy guys legit or just playing around!