No service- just there to take money

I cancelled this policy 1 day after taking it out. There is a 7 day cooling off period. They only called me 6 days afterwards to find out why policy was cancelled, and then said that I will have to pay a month notice seeing the policy was cancelled after the cooling off period. They took 6 of the 7 days to come back to me, and then still processed the debit order. Reversal of this debit order is costing me R 140.