Nedbank Ethics on Loss of income insurance

I have called Nedbank several times, the last time from the phone inside the Northmead Branch to cancel my loss of income insurance on my credit card since it will not apply to me because I'm self employed. They keep charging me the amount and I don't know what to do. I need my money refunded or I will have to report this to the authorities. There is no way to cancel this. It is *********. In fact when they first tried to sell that tome I said NO and yet it was just added. If you go back to that conversation you will hear. I need a refund of all of my money. If not I will refer this to my attorney and the ombudsman.