TELKOM MOBILE CONTRACT

Dear Hellopeter, please assist. My cellphone contract with Telkom ended last year December. I have been to their store on the store in mall of africa and asked to cancel insurance i was told to take a picture of a number i should send a whatsapp or call, i used that but no one has rep****, i also tried calling them the number is on voicemail, i called the customer service they told me i need to physically be at the store. They have been giving me run arounds, now i am being debited amounts that i do not know of, they specifically debit on the 15 when money is not even available in my account. When i took out the contract they knew our agreement was debiting month end. I keep getting interests that are incurring for services which are not even rendered because they say the account has been blocked. Now my account is owing R1053, which i have no idea what it's for and if that is for the usual debit why do they only do it at a date i have never agreed upon, are they purposely debiting on the date they know my accounts will not have funds so that they keep incurring interests? i do not know what i am even paying for because the phone is paid up, i have not been receiving airtime nor data. I have used a different network before and when it was close to ending the contract they called and asked if i would like to renew and disagreed and that was it, why is that not practiced in TELKOM? what am i paying for?