Funeral Policy

Good day, I have a complaint about Capitec bank's funeral policy. I took out a funeral cover in the year 2019 with the payment of R463.95. It was going well until October 2019 when my payment refused to go through. I then went to Capital bank in order to follow up on the problem and ask them to process the payment and I don't know whether the payment was processed or not. During the month of February 2020, with no form of notification, I had a shortage of R100.00 and I was not informed until now, October 2020, when I was sent a message requesting me to come open up a new policy due to my current policy has lapsed as a result of the payment shortage of R100.00. It was only when I went down to the bank to request my statement, was I informed of the outstanding R100.00 of February 2020. Please consider my complaint and provide some sort of help.