Making it very difficult for us to cancel

In December 2015 we got into financial difficulty to pay the Funeral Policy premiums and because of non-payment we where charged twice R115.00 which has made us very angry because Standard Bank Funeral Plan takes the R115.00 twice with the premiums of R75.00 twice was taken on the 8.01.2016 when Mr Pollastri got his mine pension. I feel Standard Bank could of waited and debited us again of the 15th January 2016. This morning we have decided to cancel the policies and according to the Funeral Plan Consultant we must wait 30days which means we will be charged again R115.00 twice on the 31st January 2016 because we lack finances and then when Mr Pollastri gets his mine pension they will take the R115.00 twice and both the premiums of R75.00 twice. Well as far as I am concerned this is not acceptable because I have asked for immediate cancellation. Why must we waits 30days and be penialised. This is just a ******* because the penalities is more than the premiums of the 2 Funeral Policies. So Standard Bank Funeral Plan Please with immediate effect cancel our polcies as I have asked telethonically and also in an email to your office.