payment incorrectly deducted from my account

Good day <br> I noticed my account was debitted for 3 months by digicash whos being instructed by another company to debit premiums from my account , I enquired with digicash and they provided me with the details of that company , upon enquiring with the owner of that investment company , he said he will go check with digicash and refund me my premiums , till today i ahve not reciened anything , and when i call the owner , his phone is off , below is the communication and email I had with them and the response was just that they will refund me the other company , if digicash takes money from people's account without authorisation from the account holders , what will happen if they dont refund me or how many people are they taking money from their account without verifying with the holder of the account<br> <br> the company below should refund you.<br> Company Name TDL Investments<br> Company Phone *** / ***/***<br> Company Name SSM Solutions (MSS Mobi)<br> Company Phone ***<br> Company Name Rjay's (MSS Mobi)<br> Company Phone ***<br>