Request for Refund

I was under debt review with Debt Busters and one of the requirements was that I have life and funeral cover through IDM Protect which is underwritten by Centriq Life. I completed my debt review in May 2025 and was contact by the insurance department and I agreed to continue with my life and funeral insurances even after debt review, however nothing was debited from my account so I assumed the insurances were not continued. Then on August my account was debited R400, so I contacted IDM Protect to reverse the money and cancel the insurance because as far as I am concerned, I am not insured since they did not debit my account for +- 2 months. The lady tells me that I won't be refunded because I did not put in a cancellation, my question was and still is "put a cancellation on what? because I was under the impression that the insurance never continued". She repeated the same thing like a trained robot and only cancelled the insurances. All I want is my money back and that's all. I did not budget for your company and this is putting me out of pocket. Yes, it is only R400 but it is mine and I want it, PLEASE.