I would like to get my money back.

I cancelled my policy on the 10th day of December last year and on the 12th day I received an sms from them saying that my policy is canceled. When I was there they told me that I am not going to get the money that I contributed ever since I became a member and I was okay with it, to my surprise they took my money on the 20th of December on my Persal and I thought it will be debited back into my account after 2-5 days but it wasn't. I waited until month end of December but nothing happened, so I decided to go to their office to get answers. They told me that they are aware of the problem and they will refund me as they are making follow up on this,month end of January I find out they took the money from my Persal again, when I called the Consultant who was helping me with this issue he did not answer my calls. He goes by the name of Ndou