Still waiting for my refund on my debit order

I was called by an Agent from Telkom a few weeks ago, offering me a contract that I was really eager to accept, based on the affordability. I was told the phone would be delivered, and no charges would be incurred until the end of the following month. <br> <br> I received a call from Carl at SellDirect, who advised a R90 initiation or service fee would be debited before receiving the package. I accepted this in good faith and was called a few days later for insurance for R30 which I also accepted. After the 10 days waiting period I went to Telkom to ask why my package had not been delivered, they called SellDirect who advised that they could not get permission as Telkom did not approve the contract. I asked why they took my money without checking this so they said they would refund it. I asked for confirmation by email and got nothing.<br> <br> I feel cheated by SellDirect and I would like my R90 debit refunded, their service is pathetic I've been trying to call all morning ***/7500 and nobody answers.<br> <br> Disgusting service, please just pay me back!!