Standard Bank and Hollard Insurance *****ing from Standard Bank Account holder

Standard bank together with their accomplices (or partners in crime) Hollard Insurance put an unauthorised insurance and bundled it with my VAF Instalment I have with the Bank. The vehicle financed has an insurance cover that I have arranged myself elsewhere. To show that this was an act of theft, the other insurance premiums were not put as a separate debit on my account, but was bundled together with VAF instalment so that I can’t even go to the Bank to reverse this without reversing the whole contract instalment amount. I wrote to both the Bank and the Insurer on the 11th May asking for the funds to be returned on my account and including a list of questions that I wanted answered in this regard. To date, I have not been refunded and those questions have gone unanswered. I don’t know whose risk profile did Hollard cover as I was never called to establish my risk profile in order to determine my premiums for this THEFT masked as car insurance?