unfair billing

Hello

I recently purchased a car and used miway insurance after a while I requested a quote with hippo and found a muchance affordable insurance for my car i called miway to cancel the contract but they told me that all consultant's are currently busy and I was put on hold for ever until they told me that they can't help me because consultants are busy and whoever i was calling doesn't have the mandate to cancel my insurance they told me that they'll call me back after 3days however this morning they deducted the full amount at the same time with my preferred insurance I find it very unfair because now I have unnecessary bank charges and no money at all in my account because of their incompetence