They are a ****

I had a silver plan with two mountains and i covered my spouse,4 children and 5 extended families,i was paying R464 a month and to my suprise end of january they debited 2460.when k call they told me they sent me an sms which i did not see and i told them i cant pay that amount so today i called to ask them go downgrade my policy they told me is not possible to downgrade if i still have extended families and i asked ghem go refund my money so that i can find funeral cobef that can cover me and my family.I asked the consultant to go and review my contract with them because it was not written in the contract the consultant hanged up the phone her ne is Rakgadi