Not paying for my claim

My mother has been paying her premiums every month without any hassles, it happened that when clientele debited my mom's account for June the debit order was rejected because there was no funds in her acc, no one notified my mom that the payment did not go through however on the 10 of July she was debited R445, when my dad passed away on the 3rd of July my mom called them to make a claim however they are saying that they are not going to pay out because she skipped 1 months premium. I want to know which clause on their terms and conditions states that if you skip one month you won't get your payout? If that was the case why was my mom not contacted to let her know that they couldn't find any funds in her account. They still went and debited her July's premium. That is wrong and not acceptable, my mom is mourning the loss of her husband and these people are just plain rude and inconsiderate. They take peoples money but they cant fulfill their promises. We would like Clientele to pay my mom as per their agreement if not, they can pay her back all the monthly premiums that they were debiting from her account. Policies lapses after 3 unpaid debits not 1. SOMEONE SORT THIS OUT TODAY!!! <div><br></div><div><em>(Supplier name changed from Clientele Legal to Clientele Life by Hellopeter.com)</em></div>