UNAUTHORIZED DEATH CLAIM

On the 08/07/2014, I went to Metropolitan to enquire about the process of claiming in case of death. I am a policy owner (Education) which started in 1 September 1997. My son was a beneficiary of this policy until he passed on, in June 2014. The consultant gave me a list of what documentation to bring, subsequently on the 25/7/2014 I went back to submit. But in view of the fact that the death cover was little in amount, I was advised by the above mentioned staff member to continue with the policy as I am the owner, until it reaches maturity date.On the 2nd July 2015 I wanted to take a loan from my policy,which I have always done then I was informed that the policy does not exist and there was a claim lodged. I then asked who lodged the claim without my authority and how was the claim processed without filling the claim forms which require my signature, and also most documents required were outstanding.There was no answer. Metropolitan stopped my policy without my permission and a death claim was instituted without my authority. I need this matter to be investigated and in the mean time, my policy to be reinstituted as it is not a Death/ Funeral policy, but is a Education Policy.