CLIENTELE WON'T CANCEL EXPIRED POLICY

I have had 2 policies with Clientele since 1.9.1999

On my husbands 80th Birthday these 2 Policies expire

Clientele keep taking money for these two policies

I have stopped them and reversed the December debit orders but again in January they put through the stop orders again

I have tried to reverse the payments on the bank app but FNB say Clientele have just changed the reference number so that they can keep debiting my account.

The bank say they cannot help me, Clientele have to cancel the debit order on their side and refund my money

The terrible thing about this is that 2 months before the policies were due to expire I contacted Clientele and reminded them that the policies were expiring Clientele promised me they would not take any more money out of my account.