Tracker *****s money

I have a tracker agility policy for my vehicle. I received a letter dated 17 September 2015 stating that my monthly payments would not be increased this year. This month (October 2015) they took an increased payment. I contacted tracker and pointed out Their mistake and requested a refund and to make sure that my debit order was corrected. They promised that the finance department would contact me to correct the problem.<br> <br> Obviously absolutely nothing has happened and if I try cancel the policy they will take even more money as a penalty. How is this legal? They are taking more money than they are allowed to and if I try cancel they take even more. As always South African companies like TRACKER can lie and ***** your money and nothing happens.