Bad bad bad service

I put my account on "hold" according to their "recording" I was called twice and in both occasions I did say I can't afford it now, however their "hold season" is whenever they feel it should be, and they debit when they see money in your account, so I didnt even get a message to say my account is no longer on hold and as of ....they will deduct whatever amount. No, they just debit your account.

Now when i want the money transferred back they want to tell me "sorry we can't refund the money according to our terms and conditions ...." if thats the case then why couldnt you call me before deciding you going to take my account off hold. If you could do that before it was put on hold why couldn't i be contacted to say the hold period is over, or even a message.

I want that money transferred back, I dont want anything from your online store becuase i should have been notified that the "hold" period was over.