I am not happy about standardbank insurance company, i want them to refund my money

My name is Dikeleko Ruth Moeng, I had a terrible experience with the above insurance company, I took an insurance with them on the 12th/05/2023 and I said to the guy that I was talking to, i even begged him not to try and debit my account on the 13 or 14, they should debit on the 15th/05/2023 , i called them on Monday and they said my policy is lapsed, fine , the person who spoke to to me did not explain anything regarding the policy, I looked for another policy since well the told me that my policy is lapsed, only three days. I took another policy and i explained to them why I took the new policy because they asked me about my old policy. Fine is started on the 17th/05/2023 and they debited on the 18/05/2023 because I told them not debit after that as I know my budget.

On the 15/06/2023 standard bank took 1388,49 plus 1552,10 which is 2940.59 from my salary my new policy did not get money , my daughter school fees did not get money, now they are telling me that they will charge me 50% of duo policy , I don't know their policy rules, I want my refund. they asked my new policy schedule , i send it to them, they said it does not say anything , I asked for transaction history from my new policy even the welcome letter. Now I have 28 rand left in my account , this is a very serious inconvenience, i said they must listen to the record what did i say to their consultant that, please don't debit until the 15th of much. This is selfishness what they have done to me . I am not going to stop until they refund me. I am a cardiac and high blood patient, I am so hurt for they are saying my refund will take 7 working day and 50% , the other 50% must be paid by my new policy, what the hell is that. Insurance companies are a **** and they don't think about other people. My numbers ***.