Cancellation of policy

I cancelled a policy about two weeks ago as I did not qualify because of my age the policy was then in my wifes name although all particulars came from me and from my bank account. It was said that my wife would be contacted to verify the cancellation I also said my account should be debited on the 10th of the month. On checking my bank balance i noticed that the money was deducted on the 5th, this put my ballance in the red up until now i have not been re-embursed the sum of R200.00 which was deducted. It was said that I will receive a sms to confirm the activation of the policy, which I did not receive. But still the money was deducted. The reference number I received is CC129699