Ackerman's Eersterivier store and Holland life simply dead quite about returning my money

Hi I am Mrs Johanna Blaauw 61years old I've been paying my Holland policy with my mobile Capitec app Holland policy informed me that that haven't received payments for 3months. Capitec Bank told me for 3months they are trying to get hold of Holland life coz the R684x3months money is in Holland life account so they can either retrieve it and put it back in my bank account or Holland life can just transfer the money into the correct Holland policy with my correct ref no. but nothing is happening. Holland policy has send me letters informing me that the policy is on the verge to collapse I am a pensioner I do my best to pay my month to month policy payments but with the 3months payments that's still behind from Holland life and also 1month payment money at Ackerman's store Eersterivier I'm at a complete lost I keep on going to Capitec Bank with just no end to the waiting coz they getting absolutely no response from Holland life. Same with Ackerman's they telling me alot of stuff at the store but there own head office personnel Mrs de Lange called me and said that I have made a payment of R684-00 on 5 June2020 to Holland life but no ref no. was included so the money is just there in they're Ackerman's account and I should go instore so they can return my money but instore the telling me (abcdefg) evens when telling them to contact head office all together my Holland policy is inrears 4months but the culprits behind returning my money is Ackerman's Eersterivier store and Holland life they just not doing anything to solve the issue to return my money so I can pay that 4months money to Holland policy. What else can I do? What happens if my Holland policy does collapse after all the years I have faithfully been paying my Holland policy? Please any advise would be appreciated. Contact no. *** or ***

Sincerely Mrs Johanna Blaauw