Miway service is just pathetic

I've been battling with Miway Insurance, & its not the first time. I keep asking myself why on earth do I stick with them, but this time its the last straw...I bought a new car on 23/02/15. I got the car covered on the same day. The difference in insurance between the new car & the previous 1 was R60. I asked the consultant to please deduct together with my next debit order on the 15th March. She agreed. With horror a week later I wake up to an sms, that R746 has been deducted from my account, without my authorization. And worse I didn't have enough money in my account to cover this and my account went into a negative balance...I was furious and called Miway up. The consultant said they were very sorry, acknowledged their error and promised me a refund. Days go by, still nothing...Finally someone called me up on Friday and I asked where is my refund. She says she \told"me that they needed a bank statement. I don't ever recall anyone asking me for that. But what made me more furious was that they took my money very easily"