Clientele ****** us of 50k

Clientele put my family through the worst experience ever. We've been paying a funeral cover since 2010 apparently the payment date is the 28th however my salary gets paid in the last day of the month. What we found out after 12 years is that payment would bounce the first time and they would then attempt the 1st week in the new month and obviously it would go through. When we wanted to claim bcs my mother passed away they informed us that the policy lapsed the month before bcs of non payments which was weird bcs my situation was the same nothing changed. Then we found out that when payment bounced they suddenly did not attempt again or they would do it before month end. It was very calculated they knew how to deduct when they want their money and knew what to do when they wanted it to lapse 50k in premiums gone we not getting a cent back.