Insurance ****

I have cancelled my standard bank life cover last year but now standard bank has been trying to debit my account and they found nothing, and the account was charged R25 per decline transaction, I cancelled the debit but nothing worked, now i owe standard bank over R300.00 they called me many times, I told them to cancel the policy, but now standard bank treats my policy like a loan, i need this cancelled and all transactions reversed, I don’t remember singing any contract with standard bank, this is *****ing from the poor and i will never let it go on like this