Incorrect Debit Order Date

I regret taking funeral cover with Finchoice because their incorrect debit order date may just bring my funeral a bit earlier than necessary. Even though I updated my December pay date correctly, Finchoice just debited money that was deposited by a friend so I could cover a medical bill. I have never had problems with Finchoice before so I decided to give them a call to see if we could resolve this amicably. What a waste of time and airtime that was, I spoke to the most relaxed don't-give-a-damn-about-your-issues type of person who just calmly explained that there is no one who will fix this mess. It will take 3 working days to get a refund because that's how their 'procedures' work. So I guess I will just have to postpone my medical issues until end of next week then right because I'm at a casualty ward for something I can postpone right? If I cancel the funeral cover, I won't get any of my premiums back so if I don't want to lose my money I just have to put up with random incompetence for the rest of my life. Wow Finchoice, wow!!! As I wait for a useless automated response and an empty apology that will not help me anything right now.

PS: How ironic, funeral cover trying to cause an early funeral. Wow.