Account debited without vehicle details

I writing this review with disappointment. I was planning to purchase a vehicle in August unfortunately things did not go according to my plan, during that time I also tried to shop around for a vehicle insurance and I was contacted by the sales person from iwize and he did a quote, during our conversation I told him that I will call back as soon as I have the vehicle and he convinced me that if I do not take the offer on the same day the quote won't be valid when i call back, he went on and toke my details and told me that he will put a date for end of September, however I told him that I will callback to cover the vehicle as soon as i have it. On the 30th of September I called Iwize due to the SMS that I received to advise that my policy is active, and requested for the policy to be cancelled, unfortunately on the 1st October I realized that the company debited my account. I called to request for my money to be reversed , however the lady that I spoke to informed me that they need to investigate on their before they can reverse my money otherwise they gonna have to follow the cancellation process which take about 31 day. So my question is what are they investigating because I do not even have the vehicle with me and I didn't even callback them back to provide them with the details of the vehicle . Wha exactly was the company insuring because they don't even have the details of the vehicle that the are insuring. I am pleading for my money to be reversed ASAP as I have commitments that needs the money.