Incorrect Cover

In January of 2015 I updated my life insurance policy to include my elderly mother. On the 29th of September I wanted to increase my cover and add additional beneficiaries, but I discovered that Old Mutual had not added my mother in the first place. I requested a refund for the premiums paid (they did not provide the cover I was paying for) and was flatly refused.<br> <br> I cancelled my policy on the 29th of September via telephone, e-mail and in writing and (fortunately) also cancelled the debit order at the bank. They did not process the cancellation until the 7th of October, and now claim I have a missed premium on my profile (which affects your credit score). <br> <br> Their internal complaints process does not do anything aside from send an automated email to say it will be dealt with.<br> <br> Life insurance beneficiaries are a critical matter to anyone, yet Old Mutual does not take any responsibility to actually update them - something that can cause huge amounts of trouble for the family left behind in the event of accidental death.<br> <br> I will ask Old Mutual again: please refund me for the the premiums paid for which you did not provide cover, and backdate my cancellation to the 29th of September.