Sanalam Refuses to pay back a double deduction

I have had a funeral policy with Sanlam for nearly three years now, since October they have been double debiting my account, and because of this the initial payment bounced because there was enough money on my account for a single premium. I allowed the double debit in December because of the previous months' error from them. Now in January they have again double debited my premium. When I called them to alert them about this I have been given the run-around and eventually this morning I receive an e-mail to say that I had changed my debit date which I never did. I want my money back . This is their response, which is completely untrue ...<br> Kindly be advised because you changed your payment date from the 3rd to the 15th. This caused the policy to be in arrears every month between the 3rd and the 15th. In October / November last year we started to correct these policies and this caused a double deduction on the 16th of November which was then returned. This caused the policy to be effectively 3 months in arrears. We could not deduct 3 premiums in December so we took 2 in December and another in Jan then next deduction date is March 2016<br>