Is this Treating Customers Fairly? Take your money early and hold on to it for ransom?

I found cheaper insurance elsewhere and wanted to cancel my policy however I woke up this morning to see my account had been debited 4 days early on the 27th instead of the 1st which meant that I could could not cancel my policy. I have now tried to get a refund but I have to jump through hoops. End result may be that Miway keeps my money for 7 days. Is this Treating Customers Fairly? Take your money early and hold on to it for ransom? Who gets the interest and who pays the penalties on my missed debit orders because you are holding my money, ****** from my account?