CANCELLING MY POLICY TODAY!!!!

I signed up for car insurance with Outsurance on 06/11/2019 and the agreement was that cover will start on 25/11/2019 but they debited my account the next day and due to insufficient funds in my bank account the debit was returned causing myself being penalised with an amount of R 150.00 which I will NOT pay. I called several times and was given an email address *** whereby I was requested to send my bank transactions which I've done. Yesterday when I called again I was promised to be called back with an update regarding this refund in my account but till now I have not received any feedback from OUTSURANCE. My cover have not even start yet but OUTSURANCE showed me how they treat their customers and I will surely cancel this policy and seek another provider because clearly they are just seeking a "customer to pay premiums" instead of actually care about their customers requests. All their calls are recorder so they can actually go back to those recordings and it will proof that I never asked for my account to be debited the next day. They caused me a major headache because my credit scoring is also now negatively impacted with the credit bureau.