MOTORVAPS DEDUCTING CANCELLATIN FEE AND PLUS NEW POLICY CROCKERY

I am absolutely disappointed with MotorVaps. I called in to advise them that my vehicle was in an accident and is written off. To with either cancel or advising them that I am buying another vehicle and i will be taking out a policy They refused because of their terms and conditions I sent an email to cancel the policy and they have deducted my premium on the 1st of December, I don't have a vehicle to pay for something that's not in my possession, just take the funds for my new vehicle how can I pay for one vehicle that i don't have and still pay for another service policy, we don't have proper jobs and now we must pay double I think that is daylight crockery to pay for policies. Be descent enough to make a change, we living in a country that robes us of everything now to have MOTORVAPS TAKE 2 DEBIT ORDERS, THAT IS ABSOLUTELY DISGUSTING I NEED SOME ASSITANCE HERE PLEASE