They just take money from your account and wont reverse it!!!!!

I have a product with old mutual that according to the consultant lapsed and no longer valid. She then asked if I would like to apply for a new one to which I answered yes. We did the application and a new debit was created. The 'lapsed product' was then debited a day after the new application and I am unable to neither reverse nor stop the debit on my side, meanwhile another debit for the new product is approved to go off in a few days. I called OM and the consultant told me I have 2 products and that they are unable to reverse premiums. Why would I need the exact same product twice? And if the old one was still active why was a made to do a new application? And why debit the old product that you informed is no longer valid only to tell me you are unable to reverse it. I want my money back or I will be canceling my services with OM and taking all my business to another provider. This is nonsense!!!!!!