******** debit of my account!!

i took out an insurance policy with miway on the 07/07/2015 which was to come into effect on the 01/08/2015 and on the 16/07/2015 i sent an email to the person incharge of my account Refilwe to subsequently cancel the policy. On the 03/08/2015 i got the cancellation letter after an administration fee of R285 had gone off my account on the 01/08/2015! This is so ridiculous that i must pay an admin fee for something that i had cancelled before the due date!! And to this day neither Refilwe nor her collegue Memory does not respond to my emails asking what is going on and i want my money refunded! i am going to take legal action as i have everything in writing! Miway is hopeless, when they want you as a customer then they will keep calling you and pestering you, now that you no longer a client they just brush you aside! Ridiculous service and a lack of customer service!!!!