Cancellation of account

I have called the call center to cancel the policy I have with Old Mutual before the 15th of January 2016.<br> I was sent to the branch to get assisted. The lady at the old mutual tried to help but failed due to the nature of problem. <br> On Monday the 25th Jan 2016, I called again and I received help. My question is, why I was sent to the branch whereas i can get help over the phone.<br> On the 29th Jan 2016 (16h03) I have received the email that says:<br> <br> \Dear MR RAPAU<br> We confirm that your cancellation request on contract number ***2 has been completed.\"<br> From : Marwan Abrahams<br> <br> My problem is that on the 1st the debit order went through and the account had no money. Now the bankc charged me R375 for debit failure.<br> I need you to pay these charges as you are the one who put me under this situation.<br> <br> Regards<br> Sam Rapau "