Old mutual refuse to pay my money back

I been with old mutual +3years when I took out this policies I made a request that they debit from my salary not from my bank account...one policy is pension booster and another one is life cover plus funeral cover, last year I approached old mutual requested them to increase my life cover since I am buying a house I requested that they continue to deduct money from my Salary. February 2020 I received an email stating that I missed payment on my policy and it will lapse after 30 days if I don't make payment of R611, I called pls mutual customer care asking them how is it possible that I missed payment? If they are debiting from my salary, they say they debited the old premium from my salary my new premium is R611, so I told them let me pay the difference so that my policy don't lapse they refuse to take the difference they want R611. I said to them okay give me my R355 that you took from my pay so I can pay the R611, they say I must fill in the refund form the money will take 40 working days to be refunded to ME... this was explained to me by a consultant in old mutual polokwane her name is Dorcas at first she told me she don't know what to do? With customer service phonecal it was just a waste of time. Dorcas further said I should go back to the person who helped me increase my policy they are the one who can help me... My complain is that Old mutual is refusing to give me my money back that they debited on the same month that they say I didn't pay, they are refusing to let me pay the difference of R256 instead they want me to wait a 40 working day for them to refund me... I don't have R611 lying around to give then while they are holding on to my R355 I have R256 to pay them so my policy don't lapse. I want my R355 immediately aswell