Old Mutual sucks

I’ve taken out a funeral plan with Old Mutual. Never received any policy documents. They claim you can cancel the policy within 31 days after receiving the policy documents and all premiums will be paid back. I’ve cancelled as i’ve not received any documents. They just shrug their shoulders, not their problem, refusing to pay back my premiums. First email to cancel was on 03/05, they still deduct a premium 01/06. Useless!