FNB insurance brokers pathetic

I joined FNB Homeowners insurance in 2018. My first premium went off on 28 Sep 2028 and my cover commenced 1 October 2018. Clearly my installments are paid in advance. Thereafter every premium went off on the 28th of each month. I think recently canceled my policy which ended 31 December 2025. Hence my last premium should have went off on 28 November 2025. This is simple logic. FNB Homeowner insurance has taken off another premium on 28 December 2025. I have called and emailed and the person says they understand my logic however that money was rightfully due to them. Over the years thry have also changed underwriters without any regard for my opinion. Please stay away from them.