ROTTEN BUSINESS PRACTICES!!!

Despicable business practices! I was shopping for a car with Imperial Select, Northcliff and the salesperson referred my name to some insurance companies as the bank approval required me to have vehicle insurance. MiWay called me regarding the insurance which sounded like it was by far the cheapest compared to other companies. However, on the evening of the 15 May, the car dealership salesperson, Ahmed, called to tell me the car he tried to sell to me was faulty and therefore the deal can't go through. I called MiWay on the 16 May 2018 and spoke to Abby/Abbie and I requested that the vehicle insurance be cancelled as the car deal is off. I found it strange that he said someone will call me back to assist me so I sent an e-mail to MiWay on the same day just to ensure the message was clear and still there was no response regarding my request. I was shocked on the 19 May 2018 when I received a message from FNB that an amount of R839.74 was debited off my account on the 18 May 2018 (this amount was even more than the amount I was given over the phone). This was a real inconvenience for me as my account was immediately in excess I did not even expect this debit order and don't have any debit orders after the 15th of the month. On the 21 May 2018, Marvin from MiWay called me and I explained that I do not have a car and that I cancelled the vehicle insurance before MiWay deducted money from my account and I incurred charges from my bank due to insufficient funds. He said I should send him a bank statement and he will refund the debited amount plus the bank charges. Still I had to wait four (4) days before the refund and this morning the refund was processed without the bank charges. Does this company even have any business values or an ethics policy? What a shame! I am just a single mother for heaven's sake or is it because I am BLACK?