****ed

Capitec failed me big time regarding my funeral policy, my debit order is on the 31 they did debit around 3 which my funds where not enough after 4h30 funds were in my account they didn't keep debit instead they closed it and lasped, when I phone I'm told if I still want to have a cover with them I need to open a new one , how can my policy lapse on the day of debit order at 3h30 pm really. I Lodge a complain yesterday I contacted them to follow up I held the line for more than 15mn and when they finally picked up I have the reference and was transferred to the person handling my file I held again for another 10mnts and it bounced back to the 1 st person who picked it and she said the lady will call me back ..till today nothing. Guys please think twice before taking funeral cover with these people