Doves bad service

Doves switched underwriters last year October and did not inform me, instead they made changes to my policy without my acknowledgement or consent and debited me twice for 3 months stating that I owe, only to find out that this is untrue. I paid twice for the new and old underwriter because they were having disputes with their existing underwriter and decided to move clients unprocedurally under false information that I owe unbeknown to me, I was paying the new underwriter. They are now claiming that I knew I had 2 policies with the underwriters and was supposed to cancel the policy with their underwriter in October but they only sent a letter in January of 2024. How was I supposed to know all this information when they did not provide it to me and only provided it after the fact? Clients are to be given atleast 30-day notice before any amendments are made to the policy but they inform me 3 months later and state that I should have known. They are refusing to refund me for the duplicate payments made and maintain that I should have known to cancel a policy with their underwriter even if this information was not provided to me, according to them, clients should be psychics