Old Mutual

I have 6 policies with old mutual its funeral policies ,its for my family,my parents ,my uncle ,my aunt and my brother. I received a sms to state my policies are cancelled there is no more cover. Now on my policy my husband was not even on my policy a few months ago he was added, on my aunt policy dob is incorrect i have been paying this policy for over a year now. So which means if anything should happen to my aunt i can not claim because dob is incorrect .A few months ago i went to the branch and the consultants advised me to bring the id they can rectify the dob, i took the id and then they advised they can not do it, i must open a new policy for my aunt opened the new policy correct dob and higher premium which i dont mind paying, and it was rejected , so i asked what happens to the other policy that is with incorrect dob they say nothing you cant claim. So over a year you pay for something and you cant get your money back , old mutual just took itjust like that. Now last month i received a sms my policies are cancelled because of one month payment not received.I went to the branch the consultant advised she can not give me the reference numbers and amounts to pay my policies up to date because i wanted to make payment at the bank. The consultant called advised they busy with investigation they will be in contact .How do a person pay policies missed one payment and want to make payment to cover the missed payment and they reject you and nobody give you a call to apologise for the error they made its only the customers fault .I want a refund on my aunts policy and i want all payments payed back until may2021.