I am very Annoyed

Good day

I have sent through a complaint Life cover complaint : Customer Feedback Reference ID:*** regarding a life cover from standard bank that I took last year which the first debt took place on the 01/08/2019 which I have requested it to be cancelled but I was sent an email by the complaints division that " We have no records available for the above referenced client" and they stopped debiting from my account now all of a sudden on the 02/01/2020 the debit order SBD LIFE SLA***1 went off my account without my concern and giving my account unnecessary bank charges which I also have to pay for a debit order I did not authorize.

Question is how can a debit order (SBD LIFE SLA***1) go off my account if you don't have any record of it? AND secondly, who's supposed to pay for the bank charges?