Terrible Hollard funeral policy

I am not happy with this company. Years back I opened a funeral policy for both myself and my mother but under separate policy numbers as I was over 18. So as far as I knew I was the main member of my policy and my mother was hers on her own. Then later on I decided to call Hollard and ask them to debit on my mother's account for both our policies to which they dd and still do to this day. Recently as I was going through my documents I noticed that there was an error on the way my name had been spelt and today I called to correct that mistake and I was told I am not the policy holder just because the debit goes off my mother's account. Suprise suprise nobody explained that to me. No one explained that by me requesting for the debit order to go off my mother's account I am giving up my rights as the main policy holder. So now I have to ask my mother to call Hollard and cancel that policy because I can't even cancel it as I'm not the policy holder.