R30 insurance charge

Edgars uses RCS insurance for their clients in case of work loss but if your account is on a zero balance they should not charge R30 p/m as there is no balance to protect. I have tried for more than 3-4 months to get them to close my account and remove this charge. They have not done this. Just keep calling me as there is a balance owed which is not mine to pay! They are charging money to innocent clients for their own benefit! I’m not the only one complaining in the Edgard store