Old Mutual must refund me

I contacted old mutual to open a funeral cover for my grandmother and I specifically asked for the R20 000 cover which was R313 according to the website quotation, the consultant I spoke to did not tell me that with the R313 cover you will reduce the cover amount if I do not take the option for the premium to increase( I request that you get the recording so that you can confirm this)this information I only got when I phoned the second time after I saw that the cover was only R10 000. after I received a message that said my policy was not accepted. my account was debited on the 28th of June with R314, I wrote a cancellation letter also requesting a refund, but they refused to refund my money back this is after their consultant was just pushing sales and not giving clients all the information. I'm very disappointed with the service as well as how may complain was handled Old Mutual can do better. Their consultant was wrong and for that they should have refunded me as they did not give me all the information.