Refused to pay out for policy and still continue to take premiums missed

I had a funeral policy with clientele Life for almost 2 years where I insured my family members. My mom passed away on the 24th of April 2024 and I put in a claim for her. The consultant that I spoke to said I had missed 2 premiums for my policy. she advised that the premiums missed will be deducted from the payout. I was asked to forward through the relevant documents, which I did. I was also advised that an assessor would contact me, to date I have never received a call from Clientele. I had funds that I transferred from my unit trust which came in a day or 2 later which clientele took money for the 2 premiums. No one came back to me regarding my mom's claim. I was the one making a follow-up daily and eventually, I was then told my claim had been declined and an email was sent through to me. I want Clientele Life to reimburse me back the premiums the last 2 premiums they took and give me the recording from their consultant as they give conflicting messages. I have even taken them up with the ombudsman.