Horrible injustice

I asked to cancel my policy last year and cancelled the debit order, I received a call around November 2024 enquiring if I wanted to continue with the policy and I specifically stated that I do not want to continue with the policy. Again, in May 2025 I wrote to Old Mutual and requested them to stop debiting my account as I can't even do a reversal. I called again June 2025, and I was advised that I couldn't retrieve all the money that's been deducted from me even after I requested to stop the policy. I was strictly advised that my funeral policy will not pay out or assist me if any of the people I cover would pass away... Then, If I'm not going to assisted then why continue to take my money