Shame to Motorite

In June 2018 I took service plan with Motorite thinking it was with Wesbank. Payment was R490 per month over 5/6 years. I realised that I was paying a lot and cancelled the service plan in October but until January 2019 they were still deducting that amount and I went to Wesbank to complain. Motorite said that they refunded Wesbank in December but the refund still did not reflect in my account. It is only now that I am told that if I make a cancelation I am going to be in arreas with R4500 or so. I have never took my car for service and have never skipped a payment. No one is giving clear answers as to what am I in arreas of especially for such a crazy amount. Why did it take them from October to now in January for them to make a cancelation. I am in desparate need of help PLEASE. Shame to Motorite for ripping people off