BAD SERVICE, CANCELLED THE POLICY, REFUND STILL NOT RECEIVED

I took and educational plan for my son in February 2020 at Festival Mall Branch, but the first deduction was in March 2020. I gave them the debit date of the 26 every month. On the 23rd of July I received an sms saying that they will start deducting from the 24/07 till the 27/07, I tried to call the call center to inform them not to deduct as there are no funds in my account. the reason I gave them the debit date of the 26th is because I get paid on the 25th. so they had the guts to access my account on that date without my permission, I had to pay penalties to my bank for insufficient funds in my account while they were trying to get money, I then went to the Branch on the 24/07 to cancel the policy as I was very angry and disappointed. the customer service that was assisting told me that they might try to deduct again on the 25/07/2020 if even though the policy has been cancelled and the money will be reversed in 10 days. still today I have not received my refund and when I contact the Branch they give another number to call which you hold until you run out of airtime. on the 17/07 I sent the an email to raise my complaint which the auto reply email came saying that one of the customer service will contact me back, till today no one has contacted me I do not want anything from them I just want my refund back.