No is no when canceling an policy !!!

I have had a policy with them for a few years and the because I am financially strapped at the moment I had to cancel the policy with them as I could not afford this policy when I started with it used to cost around R400 a month when I canceled it a few months ago I was paying around R2500 a month. Their call center lady kept on calling me with new offers and all of a sudden bringing the cost down to R397.89 which is not bad but as I said I am cash-strapped due to being under debt review I could still not afford this. Now the last time we spoke she (the sales lady) convinced me to a proof a debt mandate so that she can send me a revised quotation I agreed to do this as she was persistent and she promised me that she will call me to find out if I wanted to continue or cancel the new offer which never happened and then the debt order went off on my account I tried to block it and also send Platnum Life an email stating that they deducted my account and the agreement was that she would call my back to confirm if I wanted the policy or not all they had to say was we do not refund but will cancel the next debit order, because of this debt a more needed account could not get paid and I had to borrow money to cover the other accounts payment. they have agreed eventually to pay me back it is now the 10th of the month still no refund. I wish these companies could just accept it if you cancel with them and tell them I can't afford it leave you alone, and wurst of it all that money I have paid into their policy over the last few years I will never see.