Got policy in Dec and I'm told it has lapsed in January

<p>I got an and that my policy is cancelled. December debit order went off... Jan payment went off and was returned in error on the went Jan... I had no sorry about this because I knew they would double debit it. Then I get this and. I call the call centre and was told I was supposed to pay a prorator payment in November which did not even go through on my account so because I missed "two payments" I have to take up a new one altogether... I got a call from them again and now the story has changed to say that there was no prorator payment but cancelled because January's payment was reversed I'm telling to debit for January since we are still in Janaury and that tell me the way has passed... why not give me banking details to make an set of you can't debit but that guy is persistent to sell me a new one. From what I know a policy would lapse of two or more payments were not received... this looks like a money making scheme... better to look at other reputable companies because this one has no mercy.... They take your money and close policy... These sales people are forcing us to take new ones when the initial one can be renewed... I'm disgusted I must say</p>