Bad policy service

To whom this may concern,

I have 3 funeral policy with old mutual. So to begin some time last year old mutual hasn't been taking there debit order for my parents policy I phoned them they said thats fine if I missed a payment. This year March I get a email stating if I don't pay the missed payments they will cancel the policies just like that ?? But yet when I called they told me it's okay to miss payments and they can't pick up why it does not go off on the debit order day. In any case I missed 3 months which I had to pay to keep my parents policies. End April comes they deduct two debit orders from my parents policy, I give them a call they stating I missed payments but yet I paid the missed payments into old mutual account and still getting sms's stating they will merge it with my payments so what on earth is old mutual doing ?? Then I had to request a reversal for the two debit orders and they only reversed one amount. On the phone with them again stating I am behind with my payments, like how old mutual, they "investigating" still waiting on feedback. Yesterday they took another amount on my parents policies which they weren't suppose as I am still on premium holiday. Tried calling them a few mins ago and they not answering. They really pathetic and can't help to what the issue is and not reversing my money back into my account.