Horrible Company that will take you money without your approval

This is my last resort to sort this out, this company I signed up with to start on the first of December, decided to start my policy in November and take money out of my account, without my approval, the first quote I got, was R750, and over time changed to almost R1000 with no access. I accepted this and we proceeded. after that I found out that there will be another R300 added for the R0 access. so this was about an hour after we have spoken and I signed up for the policy. I canceled the policy and a week later they took R880 out of my account for the policy that was only suppose to start in December, after speaking to someone there, they basically told me that ill have to wait for my money back and this is not there fault, I then reversed the transaction on the FNB app, just to get a threating SMS that says if I don't pay there will be legal action, after this I got a cancelation letter and today finally received the recording of my calls, when I went onto my FNB account I saw there is now another R50 out of my account for late fees. This company is the reason. that people hate insurance company's and BTW I don't think that anyone in this company knows what they are doing.