***** *********** debits/******* during pandemic

I have a funeral policy with assupol from 2019 signed the deal. I told them to deduct on the 1st All of sudden the debit order went on the 23rd October 2020. I requested for refund, Now they went mute on me. This frustrates me because I never gave them permission to debit on the 23rd, Now i have to call, email them and who is carrying the costs? It's me again. Their adverts are so convincing that they provide good services but it's full on incompetency. I really can't deal. Where did they get 23rd from am i crazy, why is it so difficult to bring back my money? What about my unsuccessful debits? Who is going to pay bank charges? Such an inconvenience. I will never recommend you to anyone because of your incompetency.i want my money period...I'm as angry as a volcano not happy ur ripping us off.