New client with King Price

I joined King Price in October 2023 with car, home contents and warranty cover, and towards the end of the same month, I requested another quote for a Ranger. The quote was sent to my email address but I never accepted it because we decided have the quote done on my husband's profile and because he moved his current car's cover to King Price, the premium was reasonable and so we accepted the quote on his profile.

And this is why you can imagine my shock when an amount of R1700, an amount I did not have in my account, was debited off my account on the 01st December 2023. I get paid on the 20th of every month, you can trust that by the 1st of the next month, I do not have that kind of money just lying around in my account. I did call in the next day and at first I was told that it must be the annual increase, but how? I asked since I've only been with the insurer for two months! And then, I was told that it was for the Ford Ranger, which my husband was already debited for. This means, someone went and activated the quotation for the Ranger on my profile without my permission.

I am now sitting with an account that is in a negative balance, I was told that the funds that were taken off my account without my permission, will be refunded in 7 to 14 days and while I wait for that to happen, I have a Disney plus debit order that is set to go off on the 6th of every month and one thing Disney plus does is they will keep trying to debit until they find something and with every bouncing attempt, I get charged and my scoring behavior with my bank is going to drop, and my bank is going to charge me an over limit fee. I was told that they will try to reimburse me for the charges but again, only in 7 to 14 days, during this time my account is busy taking a knock.