I HATE OLD MUTUAL THEY'RE A ****!

I had a funeral policy for my mom with old mutual do the past 7 years after paying it for almost 4years they stopped debiting my account which made the cover lapsed and was unaware. When i realized i called them they said there's nothing they can do need to open a new one. I paid for almost 3years and same thing happened again which made me realize Old mutual is a big company ****ming people by sucking on our money😖😖😖😡 i called they told me same story of relapsing of my policy i told them im not reopening it again. Its almost a year and months since they stopped debiting my account, magically so end November my account was debited i called o ask what was happening they said its a mistake and can only pay me back withing 7 days. So i don't know they borrowing my money forcefully or what! Why was my money not reversed same day? Today its the 8th still no refund.