Unkown debit order and company

Good day i am the victim of unsolicited debit orders. a debit order of R99.00 went off my account on the 31.03.2016 ref num SHAJIEMARKRF47219576SHAJ15289, AND I ALSO WANT MY CHARGES TO BE PAID. I got the details of the company responsible, I spoke to Bianca from Fulcrum Collections - 0100012860, who then said they'd been instructed by Oversurance gave me this number - 0319413983 said i must ask for Magdeline. The number is not going through and i am really tired of these fly by night companies, every month i need to reverse the R99.99 for more than 3 debit orders from fly by night companies who steal the hard earned money from poor people.How do you debit people's accounts with out an authorization? This needs to come to an end honestly i am sick and tired of people taking advantage of others.