BILLING AND BAD SERVICE

I cannot believe it that it took 4 months from December to April for momentum health to activate the health plan for my wife and child after numerous calls and emails and re sending same thing. the medical aid was activated without my consent and my account was billed without my authorization which resulted in me accruing bank charges, they claimed they send me a link to authorize which i never received and they send me an acceptance email which i never received. The premium it is also incorrect, you charged double the premium selected and how do you justify a housewife who has an average income of R500 on her bank statement to pay R1100 premium???? Please investigate who authorized my account to be debited and i want my bank charges paid back ASAP