unauthorised debit for insurance policy

I received an sms update from my bank informing me that an amount was deducted from Old Mutual for a policy. I was initially contacted to take out a policy for my son, I indicated at time that I was not interested after I gave it consideration. I then received messages on my phone informing me that I should keep enough funds in my cheque account for a deduction, hence my query to Old Mutual that I had not taken any new policy with them. I was then contacted by a person from Old Mutual to discuss this matter however I was in meeting and he had promised to phone again. I had not heard from him again and now I find that there was an unauthorised debit on my account.<br> <br> Old Mutual has conducted their business in an ********* manner which tantamounts to *****.<br> <br> Please help <br> <br> Thank You<br> <br> <br> L. James<br> ***<br> <br> <br> <br> <br> <br> <br> <br> <br>