******* collecting premiums

About +/- 10 years ago me and my now late husband, Shaun bought a house and with the homeloan we needed to take out life insurance. About 5 years ago my husband passed away and I submitted all the documents to Liberty to proceed with the claim. Now About 4 years later I request Liberty to change my banking details on file as I have existing life cover with them. To my surprise a debit still gets deducted from my now old bank account. When I called the call centre to enquiring why the debit is still running they confirm that they not allowed to give me any details about the policy as the policy is not in my name. Called back again because now I am concerned the consultant then confirms that the policy is in the name of my late husband, remember they have all his documents, they are aware he is late. They not sure why it's being debited from my account I should send an email to enquire. Now 6 months later, my husband has now passed away 5 years and Liberty insist they have done nothing wrong, they will not refund my premiums as they eventually found the debit instruction which came from a broker on file. Please note this is not my broker, maybe my late husband's broker but be that as it may, who give them the right to debit my account??? Why did Liberty continue with a policy for someone who is late? Is this Liberty's way of *******ly collecting premiums from unsuspecting customers??? This is very *********, I am not sure how Liberty can confirm they followed process when I the customer has not been consulted on this change. I did not give you authorization to debit my account Liberty, show me the signed instruction I would like to forward the same to PASA and the Ombudsman for consideration.