CAPITEC BANK DEBITS MONEY FOR LAPSED POLICIES WITHOUT COVERING YOU!

I did not pay my Capitec Policy for Sept, Oct and Nov and it automatically lapses after 3 missed payment. They debited money on my account on the 7th and sent me a message that my Policy has lapsed the following day. I went to reverse the money from the bank since I couldn't do it from my banking app and the consultant told me it cannot be reversed when they phoned their head office they told her that my policy only lapsed yesterday and on their policy contract the say that a policy will lapse 15 days after the last missed premium that are not paid. The last missed premium date was on the 7 of November but they still debited 31 days after even though the policy has lapsed. I am told that I was covered but their contract says for any missed premium any month that means you are not covered for that month even now I have no idea where my money went to. I will never forgive Capitec for that.