Capitec Funeral is not for rainy days, it's a donations ****!

I opened a funeral cover with capitec more than a year back, with the hopes we would have a good working relationship. I was surpised to receive an SMS on 12 August 2022,notifying me I had missed 3 premiums and if payment needs to be made within 15 days, and another one on 28 August to say my policy has been terminated. Now, here's the interesting thing about all this. The SMS on the 12th was the very first time I learnt I had arrears, prior to that, nothing had been heard from the bank. So, I pick up the phone to get clarity on missed premiums, and I am informed that the arrears are for August and September 2021, and again February 2022. Now I'm even more confused, because if that's the case, then my cover should have terminated in February already, but Capitec has been debuting my account upto and including beginning of August. So in which hole have my contributions been swallowed? A whole 6 months worth of premiums has just been a donation?! Since the messages, a debit has not gone through. I demand a refund and proper explanation on this matter, because I am struggling to get my head around the explanation received from the consultant I spoke with