I called them to ask about why they deducted money from my bank account

I called them to ask about why they deducted money from my bank account. I was on hold for 15 minutes to speak to someone who doesn't know what is going on. Then they put me through to another lady and I must wait till she picks up but she doesn't and I end up wasting my airtime for nothing. They deducted a premium of a policy that should have lapsed i was debited for the last 5 months now all of a sudden this morning I see they tried to debit my account but there was no money in my bank account and I got charged R130 for a returned fee. Old Mutual must refund me and reimburse my airtime. I am not happy😡😡😡