Contract payout differs to what was payed out

My mom took out a Edgars Family Funeral Plan in 2009, which she paid R39.00 per month, billed against her Edgars Account and in 2012, She upgraded her policy to R199.00 per month. In August 2014, she checked her statement and saw that her policy was reduced back to R39.00, which she did not enforce. She immediately called Edgars to inform them of the error and they corrected it. After the error was corrected, she continued paying the R199.00 for the insurance.<br> <br> My dad passed away on the 9th of February 2015 and she submitted a claim to Edgars, which they assured her, in my presence, that her claim is valid for R50,000.00, but when the money was paid out, they only paid out R10,000.00. Upon enquiring at Hollard, they advised her that she only upgraded her policy in 2014, but she have been in the same policy since 2012,which equates to almost 3 years. They informed her that due to the R39.00 being erroneously billed against her account, she will only get this amount paid out.<br> <br> She did not give Edgars permission to degrade her policy, they did this on their own. She was unfairly treated and now Edgars refuses to take responsibility. My mom is a pensioner and does not need this.