No full refund due to Iwyze agent who misguided me

I took out a car policy for my new vehicle earlier this month (December 2022) the premium was a but high and I shopped around for a better insurance and affordable. I then called on the 7th to find out the procedure on how to cancel. Was advised to call on the 14th December. I did call again on the 14th December to cancel spoke to Ofentse and he told me they will do an immediate payment,I then objected as I paid pro rata until the 20th December and cannot afford not to have any insurance from the 14th until the 20th December. Ofentse advised to call on the 19th. I called on the 19th spoke to Ofentse again and he confirmed that he has canceled the policy on the 19th and will make sure the debit order doesn't go through the following day. I then asked what if it happens that the debit order goes through. He said the refund will be made and only then explained there will be an administrative fee of 450 to be deducted from me for the refund. Which henever disclosed before in any of our conversations. I told him I am not gonna pay the 450 as this was not my fault. He then said no he will request the full refund and will get the funds before the 23th. On Friday the 23th I called again and was told he will call me back he never did but the refund request was done. Today on the 28th I called for follow up,I discover the refund request was only done yesterday and will get the refund by the 6th Jan 2023. And it will not be a full refund as the admin fee will be deducted. This is unacceptable and disappointing as I now have to pay for something that was not my fault at all. I would like to get a full refund as I need to make a payment of the new insurance on the 1st