unfair treatment

i took 2 policies with assupol last year November, i never received any policy documents on what we agreed on, on the later stage i called in to change my debit date to the last day of the month as we have changed it at work, they never debited till they even cancelled them without notifying me,i called in to ask for my refund because thy cancelled my policies without me knowing and i did not have document to read and understand the terms and conditions, they told me i will never get my refund, i feel like they are treating people very bad, and knowing very well even if you complain it wont go any way till you give up.