Thinking of changing banks.

So I had an issue with my funeral plan, wonder lady called n fixed it for me. Little did I know that the policy has lapsed , now policy lapsed August debit order went off September. Now they cannot reverse it because the money must come from Sanlam. I want my money n all the charges that came off n I will not be opening another funeral cover with Capitec anymore... Shows there will worse struggles should I pass away.. please refund my money.. that's all I care about now. I'll go to FNB. My family never complains there..