*********** Call Centre Agents / Debit order keeps on returning

I can not believe how *********** the call centre agents at 1LIfe Funeral cover are. I took out a policy ( ********** 74) for my dad last year. He is the policy holder but Im paying for the policy from my account.

July 2018 I took out a policy for me (covering my kids and myself). NOW there is a problem with the banking details and my debit order did not go off (2 months now)

I fail to understand WHY my dad's policy goes off every month BUT on my policy the bank returns the debit with CARD EXPIRED .. Its a debit order not a purchase. I never even gave you my card number!! Its the same account !!!