Sick to my stomach

I am thoroughly upset and frustrated regarding this matter. I moved my fiance over from his policy to mine as a spouse due to the fact that it works out cheaper. Added my inlaws to the policy as well. In the process i was not advised that i needed to cancel the old policy that my fiance was under, however i had discussed this with the admin that was assisting me. Surely if i am moving somebody over the old policy needs to be cancelled. As a result i was debited for 2 funeral covers. More so the old policy my fiance is under he was on it for over 2years, we have been advised that he has to start the 6 months waiting period again which i feel is ******* to say the least. I sent a complaint to Avbob 3 weeks ago and have not been contacted with a resolve. all the necessary info required to cancel the old policy have been submitted but today i get a message saying that 2 premiums will be deducted due to non payment. i am fed up to say the least and i am looking to take this further to the Ombud especially bcoz of the additional 6 months waiting period and bcoz apparently admins are not allowed to ask us if we want to cancel the old policies.