Lack of service from customer care for Life Cover and trying to lapse my policy after payment

I have just received letter from Discovery today informing me that my policy has lapsed after I made a payment and over the past 6 months, I have been making manual payments and requested in writing that they stop a debit order payment as I was unemployed then and didn't have a specific salary date but my payments continued to be made. I am really tired of being profiled as a black person but you continue to take my hard earned money . If you dont want my business , please refund me all my premiums paid to date instead of this lack of service.