Momentum terrible service

I have been with momentum since i bought my car 6years so last month i cancelled my car insurance because when i requested for AA assistance because i was stuck with no petrol. They did not send the help i needed. The sent me the documents saying the policy is cancelled as per my request. Today they debited my account which did not have enough money to cater for their debit. Now i have unpaid penalty fee of R115 because of their bad bad terrible customer care.