Hollard just cancels without warning.

I had 2 policies. One was on my name, the other on my mother's name but I was paying both. I canceled my mother's policy however the payments I have been making monthly, I have been using the incorrect policy number as a reference. For the last 4 months, nobody has bothered to call me to say I missed a payment instead I received an sms in December to say that my policy has been stopped. I called and I can reinstate but the waiting periods apply. Firstly, you receive my money every month and don't even inform me that that policy is closed, secondly nobody notified me in time about they policy that is "not being paid". I just find this whole experience distressing and not pleasing. I understand I have been making payment with an incorrect reference but why don't you, as a large company, have measures in place to warn people?