FNB LIFE *****S MY PAID PREMIUMS

I have two funeral policies with FNB. FNB put their premiums through on the last day of the month. At first it was not a problem as I always had spare funds in my account. I used those funds and my funds also are deposited the last day of the month resulting in the premiums being unpaid. When the first premium went unpaid I emailed FNB life to change the premium date to a later date but the next month the same problem.<br> I have sent numerous emails but to no avail resulting in one of my policies lapsing. Yesterday I decided to phone rather than email as the premium date was still not changed. After HOLDING ON for ever I eventually spoke to a consultant who sorted the date problem and reinstated the lapsed policy. The consultant informed me that the reinstated policy now starts from the beginning again and the premiums I paid over the last few years are lost. THIS IS IN EVERY WAY THEFT HOW CAN I JUST LOSE THOSE FUNDS IT RUNS INTO THOUSANDS OF RANDS. THE POLICY WAS REINSTATED LESS THAN A MONTH AFTER LAPSING .SURELY WHEN REINSTATED IT WILL RESUME WHERE IT LEFT OFF. ONE OF TWO THINGS NEED TO HAPPEN REFUND ME THE PREMIUMS OR REINSTATE THE POLICY TO ITS ORIGINAL STATE.<br> TOTAL *******.