Refund

I was billed for something that I had declined over a month ago and I have that in writing however I was charged and went to the bank to reverse the charge after speaking with the agent ho tried selling me this product. Again I have all of this on email. I reversed the charged and informed the agnet that I request to be refunded the R20 bank charge. She informed me that they do not refund less than R20, I told her that it is not about the money but the principle behind it that I didnt request this service yet I was charged. She requested I send her a bank statement indicating the bank fees for the reversal which I did and to date I have not heard anything from her. Seeing that the amount was under R100 I did not get a notification only when I checked my statement did I see this charge, what if I never noticed this charge? I would have been charged for a service I never ever agreed to. This is a complete ******* and pathetic service as they are quick to take your money but when the fault is on their side they're drag their feet to repay you no matter the amount. Its the principle behind it all. Im so happy that I am no longer insured by them.