Lapsed policy - payment refunds

Good day,

Kindly assist, I’ve had a funeral policy since 2021 missed payments. I sure did not advise in anyway by calling or sending text message to advise. One time I reversed the amount cause I thought they had debited twice, called in requested for payment details for manual payment I was advised I’m welcome to use those details for monthly payments but they will still debit my account. Policy stopped debuting I kept paying and not keeping up with the months it lapsed. I have insure a call last week asking why I’m I no longer getting communication from them I was advised they haven’t been getting money my policy lapsed I was advised to send pop which I did they advise that after doing calculations the amount is still not sufficient my policy is still under lapse status. If I want they can allocate the funds and I pay the arrears and have my policy reinstated considering the amount I ha d to pay I opted to have another policy opened for me start afresh a new policy.

I requested for a refund of the balance I’ve been paying while my policy was lapsed because the service was seized at the time so this means I’ve been paying for nothing. If anything would have happened within that period I would have not received assistance from 21st Century.

Consultant advised that I can’t get my money back. I’m not requesting for money that I paid while my policy was active. And they can’t allocate this money to the previous months in areas because the policy had already lapsed.

I’m calling for my money I kept paying when they knew the policy had lapsed and did not bother to communicate in anyway when they had all my contact details