Policy lapsed and want to blame me

I would rate them 0 star if it was available on the list. The way I am so furious and disappointed with them about they incompetency, I wanted to reinstate my policy after it lapsed because the debit order for 1 month it didn't go through.

The worse part is that they have cancelled my policy without my consent even I've deposited the money. They are telling me that I have to apply for another policy.

I wont even bother or recommend them to anyone. They are just useless and ungrateful.