Bad service from a "well respected" company

My wife and I have a short term insurance policy with Old Mutual. During January 2024 we discovered that both my wife and I were paying for the same policy. The premium initially went of my account. The premium, after changes, which included removing items from the list of goods insured had been made started going off my wife's account. However the premium in access of R2700 perv month is still been deducted off my account. Furthermore the annual increase in the monthly premium was also implemented and has increased to R3300 which is now been deducted monthly from my account. Upon checking my wife's and my own bank statements I identified the following about the deductions. Not one of the deductions has the same reference number on both our statements although it is for the same policy. The total amount which is in dispute is in access of R25000. We currently have a broker. It is extremely sad that despite his efforts he is not allowed to access the records of the policy as he did not write the policy. This is ridiculous. It is our policy. We need to have the say of who may have access. After all we are paying the policy. This makes one ask the question. Is there any transparency and who is trying to hide what. The above position is now having an very negative effect on us as a family. Due to financial changes we have a constant shortfall on our monthly budget and is currently struggling to survive. Our negative interaction with Old Mutual even goes back further. With the last claim submitted after a motor vehicle accident we were informed that the access we paid will be refunded. My wife was informed that the money was paid into her account. However she never received the money. She enquired in terms of the bank account number into which the funds were deposited but has up to date had not received any feedback. At this point in time we are considering changing insurer and ensure our experience is heard