Double deductions

I am very disappointed with Old Mutual because of the double deduction on my account for the three policies I have taken with them. I sent an email requesting that my deduction date should be changed from the 26th of each month to the 7th of each month which was to be effected as of the 7th August, the reason for the request is that I was expecting to get my salary later than usual as my contract with my employer was terminated. Fortunately my salary was paid on the 25th July which is the normal day, to my surprise on the 27th July Old mutual deducted the premiums even though our agreement was for the 7th, well I did not worry much seeing as I had funds in my account. On the 11th August there were deductions from Old mutual again, this time the only premium they managed to collect was for R51, the other two were returned by the bank as unpaid due to insufficient funds in my account. This really infuriated me as due to this double deduction I incurred bank charges which is a bad reflection on my account. I sent an email on the 11th August to Old Mutual requesting a refund of the premium deducted twice and the bank charges I incurred, the only response I got is an automated one. I then sent a second email yesterday, received an automated response with ref GSENQ***. This whole situation has made me to lose confidence in Old Mutual as a company, I have taken funeral policies with them and now I am worried that when the time comes to submit a claim one might encounter a lot of problems if they show such unprofessionalism. They sent me an sms yesterday which: Old Mutual: Dear R Langa, R649.93 for policy 69668P*** was due on 07 Aug but not deducted. We may use an early bank deduction service for your next premium. Please have enough money in your bank account for the next deduction or call *** to arrange to pay the outstanding amount. No reply SMS. FSP&Ins. T&Csd