POOR SERVICE WHEN CANCELING A QUOTATION POLICY

On 16/07/2015, I done an online quotation with kingprice. I hardly reached the 2nd page then a consultant from there called me to complete the quotation via telephone. I explained that I app**** for refinance and the bank needed proof of insurance. I had also told him, that I need to discuss the premium with my spouse first, as I am married in COP. I mentioned it numerous times even when he insisted on having my nednk acc details. He promised that they will not deduct premiums up until my spouse and I complete reading the policy schedule, T/C and all that. The bank declined my application so I e-mailed the 1st cancelation letter on 27/07/2015 (within 30day cooling off period). Again another letter I sent on 30/07/2015. on 01/08/2015 they deducted R654.62 R319.00, due to insufficient funds in my account the bank debited me with R180.00 respectively. Again on 04/08/2015 I sent the 4th cancelation letter after I had received an email from their collections department. On 17/08/2015 the again debited my bank account with the same amounts. There is still no funds in my account, so I can well expect the bank to debit me again for the RD's on my account. 18/08-5th letter sent? so upset!