Pathetic service - unauthorised debit order

I was taking out an investment policy and I clear stated that I needed a contract to see the terms and conditions before my policy commences. I was assured that a contract will be sent before the policy commences. No contract was ever sent to me, so on 4 December 2019, I wrote a letter to Metropolitan to cancel the policy as I was not receiving the contract as promised. I received confirmation that the policy is cancelled. However, to my surprise on 15 December 2019, my account was debited. Tried to get Metro to reverse the debit, but as I have seen on reviews, Metro is well-known for giving people the runaround, so did the same to me. I ended up reversing the debit order myself through my bank, but now that is going to dent my credit record/score. Metropolitan, please do better, take yourself and South Africans serious, we are trying to move forward as a nation, we dont need this mediocre services.