Auto Cancel Policy although communication was in time and now say must take out new policy with less benefits than what I had.

Sent the following email on 20 Aug 2020: Hello Constantia

I wish to apply the following condition as below

2. Do you wish to remain on cover on the existing product until the end of August 2020 but decline the alternative product offering effective 01 September 2020? • If yes, only pay arrear premiums for April 2020, May 2020 and June 2020 (discounted at 50%) and full July 2020 and August 2020 premiums, by 31 August 2020.

------------------------------------------------------------ Constantia Reply on 25 Aug 2020: Good Afternoon Susanna

Please take note of your premiums due below:

March, April, May & June premium due is R298,33 (April-June discounted to 50%) July & August premium due is R238,66

Total premium due is R536.99 for you to be able to remain on cover till end of August 2020.

--------------------------------------------------------------------------- Our reply on 25 Aug 2020: Hello PMD

That is in order. Please deduct one amount the end of the month.

Thanks

------------------------------------------------- Constantia Reply on 3 Sept 2020: Good Day

We can not debit you if you haven’t completed a debit order mandate.

Please also note that you can not continue on your life cover, the only way to continue is to take up one of the new products. As mentioned the life cover now no longer exists after August.

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I saw at the end of Aug the amount was not deducted and directly on the 2 Sept 2020 email and Called(Did not answer) to find out why. They send email on the 3 September 2020 to inform us that the policy has elaps and have to take out new one with less benifits. Question: If I have to pay the outstanding money into a account, why not in the reply on the 25 Aug 2020 by them when given the outstanding amounts was it not said on the email as well also not banking details given were to pay the money to?

********** company if you ask me - Paid a premium for more than 3 years and then decrease benefits and then was take to court to reinstate, but still made it difficult to comply by paying or deducting the money.