DEBIT ORDER DATES SWITCH

Good Day My name is Kate Mabena, i had funeral covers with old mutual for years i think it has been for than 10 years i lost my job in 2019 dec and i went on a premium holiday that they so preach that its the greatest benefit. after i went i continued to pay my premiums as normal but now this year in much i was surprised to find that my policy has lapsed i went to old mutual in tshwane mall pretoria,mamelodi they told me i can re-instate by paying at standard bank because my policy is behind with two months , i went to pay and my policy was re-instated and i was happy. now the same thing happened and i checked my bank statement and noticed that they deduct on the 24 and i told them to deduct at the end of the month even when i went to the branch i told them that so, i get paid at the end of the month now and no longer on the 25 of every month like before because i am working at a new company. now i tried to call them but they tell me to go in the branch, i have been a customer of old mutual for a very long time i had investments and this funeral policies i have covered my parents, ,my self and children, this is the only policy i have i cannot afford to keep on taking day offs and going to the branch as i am working retail now, this is a waste of my time,now my policy has lapsed i think they should pay me the money that i paid all these years since they dont want me to be part of their family i cannot start other waiting periods no, now last month they deducted twice and i reversed on debit order and now my policy has lapsed is this a money making scheme or a way to get clients wh have been paying for a long time out of the picture? i want feedback because i want to take this to the ombudsman or consumer protection act or even to court as this is unfair that my funeral policy lapse and its not my fault