Feel ****** and taken advantage of by Hollard

My policy number is ***/u00A it’s a single parent funeral policy. I have been experiencing problems making payments since last year. When I complained they resolved the issue after a long while. Not long after that I struggled making payments at the partners again. Now the policy has lapsed and it is not my fault. I want a full refund so I can put that money somewhere else. I feel this is a tactic Hollard is using just to take advantage of low income people mxm . They do not call you if they pick up a issue they just send you a sms and dust their hands!!