Bad experience with SANTAM insuarer. Ready to take this matter further!!!!

I have recently cancelled my vehicle insurance with Santam, I called in on the 21st of November spoke to a consultant and the cancellation letter was send to me via email. To my surprise Santam debited my account and again I called them and spoke to a consultant who now twisted my story and said that the policy will only be cancelled on the 31st of December. When I told her that I have a cancellation letter and it confirms that I have cancelled the policy and will lapse by midnight the 30th of November as stipulated on the formal letter that was send to me via email, her tone changed and she was willing to assist and after holding the line for 5 minutes she came back and said that her manger advised her to send an email to the accounts department for emergency reversal / credit to my account which will take 24 to 48 hours to clear. Today,Monday the 2nd of December still no action from Santam, I called in spoke to one of the consultant Sanele , he told me that there seems to be no action taken by the previous consultant by the name of Lebo to initiate immediate reversal of my funds. I have been taken to pillar and post for what I don't know. This is unprofessional and reflect bad on Santam itself, this has raised doubts and concerns as to what surprised and frustrations would I have went through during the period that I had insurance with Santam should the need arise to claim. Now I have a debit order that is due today and no funds in my account, quite sure that the debit order will bounce. Meaning my cars will not insured for a certain period till I get a refund from Santam, I will hold Santam reliable should there be any damage, theft and loss to my car as I have taken reasonable actions to avoid this matter getting out of hands.