i have to pay to cancel my policy

I called and emailed Santam to cancel my policy ( i have the recordings and emails ) on the 20 March. I called again today to find out it was not cancelled but i receive an email advising that its to late to stop the payment and my options are :<br> <br> Go to the bank and out a stop payment - my bank is charging me R 45 to do the stop payment ( why must i pay that, when Santam failed to acknowledge my email ).<br> <br> Or they can debit and refund Within 30 days<br> <br> So, i must wait a month for a refund.<br> <br> Yesterday i emailed and asked to be called back by 4pm. Nobody responded or called me<br> <br> My instruction was clear and simple in email. Cancel my policy effective at the end of March because of this failure i am now incurring expenses. i want my policy cancelled and the debit must not go of my account as will not pay my bank R 45 to stop a debit that i requested last week. i refused to be prejudiced by Santams failure to carry out a simple request