FUNERAL POLICY LAPSE- IN 2 MONTHS

#WIN. I Join metropolitan in 2013, for flexible funeral cover. In June 2021, I called customer service to add new banking details, they said they will debit. There was no debit going through in June and July and it's 2 months not debiting. when I call and ask them they said the bank stop it. why the bank they can stop my debit order without my concern? but I call metropolitan customer service to make arrangements. they told me its Lapse how can its lapse in 2 months. on their contract: You can reinstate your policy once during the lifetime of your policy at any time within three calendar months from the date it lapsed. This requires that all the premiums missed are paid. Your policy will be reinstated with the same premium, benefits, waiting periods, and other conditions that app**** before it lapsed. However, no benefit will be paid from the date the policy lapsed until the policy is reinstated. COOLING OFF PERIOD AND CANCELLATION If you have not claimed any benefits on your policy, you can cancel the policy within 60 days from the start date. This is known as the “cooling off” period. If no benefit was paid, you will receive a full refund of all the premiums you have paid. If you cancel this policy at any time after 60 days from the start date, your policy will end and no premiums will be refunded. No benefits will be payable under this policy after you have canceled it. We will cancel your policy if we do not receive the premium within 30 days, and no benefits will be payable. I will never pay for 3 premiums whereas I have called them and give them my banking details to debit. I WANT METROPOLITAN TO CANCEL THE POLICY AND REFUND ME BACK BECAUSE I DID NOT CLAIM FOR ALL THESE YEARS. # WIN.