Account debited despite cancelling policies and no refunds

I took out a mechanical warranty and a scratch and dent policy. A few days later I learnt that the financing house for my vehicle could offer me better cover and then cancelled. I had to cancel both policies multiple times before it was actually cancelled. Then low and behold, have both policies debited from my account ontop of the new cover I had taken. I have sent numerous emails and have called on numerous occassion, but it seems like these okes feel some kind of entitlement to my premiums. A simple question I keep asking for days of calling and calling is WHEN they plan on refunding MY money, no one can answer, oh but they can dig their fingers into your bank account with so much ease. Becareful of taking policies with this money hungry crowd. Seems that ONLY thing they do right is take what does not belong to them