Cancel my policy

I am upset about two things regarding this policy from The Unlimited. Firstly, the debit orders are deducted anytime they feel like it. This was a problem when I first took this policy. I was livid when they tried to deduct monies on a day that I definitely did not give them. I know when I get my salary each month and obviously would not give a date that I know will be on a day I do not have funds available. My cheque account penalizes me with a R100 if the are debit orders trying to deduct and no funds are available. I called and they convinced me to stay with them. Appologized and then it happened again, a few month later. They deducted on the first of Nov which is the date I have agreed to, but then they tried to deduct monies today (24 Nov) AGAIN!!!! I phoned, but I could hear in the tone of the operators voice that I would not be assisted so I just asked to cancel the policy. After being put on hold for the third time (the last time being about 10min) my airtime had run out and I was trying to get them to phone me back. No success. I then logged a complaint and am still waiting for the to call me back. I want a full refund of my last premium and the R100 my bank will deduct from me for fund trying to be debited.

Secondly, I took out a policy with the unlimited thinking that everytime myself or any of my loved ones were admitted to hospital it would pay out a thousand rand per day. Boy, was I surprised to hear from the callcentre that it is only for accidents.

I DESPERATELY WANT TO CANCEL THIS POLICY!!!