Xchange Complaints - Ripped off 15000

In 2016 september I purchased trading programme and paid R15000 to also be trained on how trade. For the whole year I was never trained and requested refund but never received it they were also deducting R199 on my account and I was never informed about this. They claim that I signed the contract that says there is no refund but I never signed any contract till today 2019 they have not emailed me the copy of that contract because there is no contract I signed. Pls assist I need my money back. My mother died of heart problem because she didnt take this very well.

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