refund

i have a policy from last year 01 jully 2018, policy number ********** 694, my problem with them is that if you make payment arrangement on which day you want them to debit they do not follow that, they debit at any time they feel like its okay for them, and if they do not find money they call you lot of time, i would like to get the money that they have took from my account from the day i started the policy till the last day they have debited me, i cant afford to have an account where they just debit at any time it suits them.