3sixtylife funeral policy

I had a funeral policy with doves for my late mother policy no *** I claimed on the 12/04/2023 it was repudiated due to have been lapsed yet I have no record of any message or sms notification of the lapsed policy they said I must write to the premium collection department for a refund because I've been paying not aware it's lapses.so why should I wait for 14 days for the money they received knowingly that the policy has lapsed.surely they should expedite the refund as they didn't pay the claim.they waited for a claim to reject it due to the lapse surely they should have informed me.