Ignorance

I have policies with Metropolitan and currently unemployed, the 2 debit orders was not successfully due to insufficient funds and spoke to consultant that I'm not working will arrange for reinstatement and was advice that after 2 unsuccessful debit order won't be a 3rd one and the lady at call center called me told them there wont be funds in my account therefore debit orders should be cancelled and she agreed , but on the 31st March there were unsuccessful debit orders that came through that has caused me bank charges...I'm not responsible as I have spoken to the consultant about my issues