Unsuccessful attempt debit orders that arise bank charges, that are more than policy itself

I had a very bad experience with Old Mutual for the past 8 months, when I first took this policy I was asked which they should debit and I said 27, and till this day I have never skipped my debit order. Old Mutual people will instruct their debit machines before our payday to attempt and debit my account without my knowledge and I feel this is ********** because this is total wrong and out of initial agreed contract, this has been happening for the past 8 months and I told myself it will be fixed but till this day is not. I am paying a funeral policy R540 and R1000 plus arrears are been created on my account just for fun, just because of unsuccessful attempt and no one is accountable for this. I’m really not happy and I want my refund money in order to proceed with this or else m canceling it permanently and I have a bank statement to as a proof