Reverse the unauthorised debit and refund bank charges!

I was contacted by Ooba insurance at the beginning of the year to get cover with them. I had initially agreed to the terms. In March I sent them an email requesting that they cancel my subscription before it takes effect. They tried swaying me to change my decision which I ignored. In April I got a congratulations email on the new insurance where I stated that cancellation was the only way forward. I was assured it would be cancelled. Fast forward to May and it wasn't cancelled and my account was debited an amount that I didn't authorise. I immediately sent an email demanding my money back and the bank charges of the deduction (it's not much but it's my money! And in this economy I'm not playing with my money like that!). They said it would take 10 days. They didn't state whether it would be 10 working days or just straight days, but at this point we are on the others side of either option...no communication, nothing and no money of any kind has been received. They also had the audacity to tell me that they can't refund me the money in bank charges! After I had requested a cancellation months before it was activated! Ooba insurance is the pits! I DEMAND MY MONEY BACK!! Anyone know how to get my money back please?!