Double dipping and ******** additional policy

In 2023, I lost my mother and I registered a claim accordingly on a Monday, furnished them with all the required documents and was told that as per my policy, the payment will be done within 2 days or 48 hours. On Wednesday, around noon when I did not see the payment, I started panicking and calling to enquire. I was told that I must re-submit the documents by email and not on the whatsapp as previously advised (with a Reference number provided for that submission, suddenly that was not the correct way!). The long and the short, I only got the money on Thursday, after borrowing money from friends and loan sharks so that the casket and tomb stone can be completed on time before the burial on Saturday. Fast forward, my other son turned 21 in August 2024 and I was advised to get him a separate plan, like my other then 23 year old. In October 2024, I did update his details and since he is still a full-time university student and fully dependant on me, him and my 16-year old daughter are under me and my now 24 year old. My plan with the 2 dependants is R165 and for my 24 year old is R58. In total I should be debited R224. Since October 2024, however, I am being debited R165, R58,50 and R244. On the 17 June upon noticing this anomaly that has been going on, I was told that I have a Group scheme policy and another one. I asked why would I have 2 policies with the same benefits and beneficiaries. After being sent from pillar to post, a Reference number was created and provided and was told an investigation will be conducted. On the 30 June 2024, my account was debited for the 3 amounts again and still no update nor answers. I have been on the phone today since 10 am and I am being sent from pillar to post. I am told I must talk to the ***** department, whom I have no direct contact number for and everytime I am transferred to either the Group scheme or the Old Mutual Protect. The Group scheme claims, the unauthorised policy or debit orders are being conducted by the Old Mutual Protect. The Agents there are the rudest people I have ever dealt with. They insist I must talk to the ***** department, I indicate for the umpteenth time, I do not have their number and they must cancel the policy of R244 and they say no, I must await the outcomes of the ***** investigation, which was supposed to have been 5 days after lodging a claim on the 17th June. Old mutual is a company from hell.