Sanlam ********

I had put my retirement policy with sanlam on a premium payment holiday. my policy was to be on hold until april 2019. before my payment holiday was over on the 11th of March sanlam did an unorthozided debit from my account of 3 full premiums. when i called in to query the agent said to me that my policy was not put on hold as i requested and it was sanlams mistake as they had an oversight of my email request. these premiums went of as unpaid debits and i have incurred charges from my bank and my credit ratings are getting messed up!! my account is now in excess of -R157 rand i need to deposit funds into my account as the bank is sending me warnings. sanlam are taking to long to refund my money and they do not understand how they are messing up my bank charges and making my debits orders with my service providers.