Extremely upset! and distressed!!!

Last month, I had a problem with my debit orders not going through and old mutual just kept on making deductions without me being aware. This month I got a notification on the 25 the asking me to make sure that there is enough money in my account. Since I knew there wasent enough money in my account as I haven't got paid yet, I phoned the customer care to explain my situation. I was told by the agent that it was a naedo tracking system that activates on the 25 th to the first of the next month. I then proceeded to explain that it was fine with me deducting by the first but not before then. He assured me that deductions will only be made once there is money in my account. That made me relax since more attempts would cost me hundreds of rands if the debits does not go through. Low and behold I woke up the next morning with 3 attempts to deduct the debit orders. I would like to know whether old mutual is going to repay me for those attempts and who gives them the right to deduct money from my account on dates I have not authorized. I am now strongly considering cancelling ALL my policies !