Platinum Life - I WANT MY MONEY BACK

For the past few months i have every month cancelled my policy. at the end of the month i get a notification that R396.14 has been deducted via debit order from my account. every month i go and reverse the payment, then i send Platinum Life a mail to say that i have cancelled the policy so WHY deduct the money from my account. for the past 3 months, this has become a "end of the month routine". They phone to say i am not covered as i did not make payment, i will then tell them its because i revered the payment due to the fact that i cancelled the policy. BUT THIS MONTH platinum was clever. without my consent they changed my debit order to a debicheck order which means i CAN NOT reverse the payment and now i cant get them to pay my R396.14 back. WHEN WILL THIS STOP