Sanlam/CapeConsu/Bsmart - ********** transactions on my account for service not active!

I recently enquired about a debit order of R55 going off my account with bsmart /CAPE CONSU (I understand they take care of your accounts for the Sanlam Money Saver card.

Johnny van Zyl explained that my account has been closed / cancelled since August 2017, but the cancellation of debit order would now be processed upon my enquiry.

I'm sorry, did I miss something? I my account is inactive / closed why should you be debitting my account monthly? What am I paying for?

As far as I am concerned, this is theft.

I requested these ********** transactions be reimbursed.

Johnny rep**** "Unfortunately this is not possible as the terms in the agreement with Sanlam was that the first 12 months are free from admin fees, after the free year lapsed the admin fees are valid irrespective of the account being used or not. Sorry I cannot be of more assistance."

I am struggling to understand how this is ethical. Kindly reimburse me my money, otherwise I will be taking this further.