Refund my premium **********

Do not take a funeral cover with these ****s. I took out a funeral cover with Capitec after research i found out they have very bad reviews. I purposely stopped paying my installments so that the cover would lapse which it did and i received an email stating so as well. They deducted a premium this month knowing very well that the policy lapsed and when i question this they claim they bill in arrears. What arrears? If the policy lapsed what do I owe them? I want my premium back stop *****ing people and refund my premium.