Need my money back from Old Mutual

Hi Im so disappointed in Old Mutual,a well known business.My sister passed away last month so knowing she took out a policy for my mum at Old Mutual and worrying that it may collapse I send my son a week after her death to pay the outstanding 2 premiums cause I checked on her bank statement that the premium for February wasn't deducted and the consultant he talked with at Parow centre branch didn't checked the policy on their system but let him continue to go make the deposit at Standard bank.2 weeks ago I went to the same branch to notify them that im taking over the policy so that my sister's money she paid all along don't get wasted I was told that its not possible cause the type of policy my sister took out must be closed after her death so I must bring the necessary documents to put in a claim to get a refund on the 2 premiums I paid.Last week I went in with the documents and then was told I cant get a refund.I feel its unfair cause if the consultant checked first time when my son made the payment we would knew the status of the policy and would not made that payment while we already are in a financial crisis."ITS NOT A LOT OF MONEY BUT IF YOUR IN A POSITION WHERE EVERY CENT COUNTS YOU CANT LET A SUCCESSFUL COMPANY LIKE OLD MUTUAL MAKE YOU POORER AND GETS AWAY WITH IT DUE TO THE LACK OF THEIR CONSULTANTS NOT DOING THEIR JOB PROPERLY" so I'll highly appreciate it if head office or customer complaints service contact Ms Franks on ********** 199.Thank you.