LAPSED POLICY

its not right and I'm not going to leave it like that, my premium did went off one month and I just left it, so following month the same thing happened and I called in to find out what went wrong why isn't my premium going off so I was advice that my policy lapsed, due to insufficient fund, insufficient funds my foot the agent told me to go to the bank get a statement and sent it to them which I did that was two weeks ago and I never heard from the ever again not an email, a letter per post or a lousy phone call, so I would like to say to Hollard just give all my premius back and then you can keep your policy, just imagine if my dad had passed on what a mission it would have been getting money out of you, JUST GIVE BACK MY MONEY. I'll get another Insurance company. one that will inform me if there's anything wrong with my policy