Old mutual staff clueless and no help

Good day, I've been with old mutual, and grew up thinking they the best but very in reliable... Last year through some financial difficulty went to their offices to ask for a premium holiday, and was met with question of how I knew about premium holidays, then the guy proceeded to tell me because I had 4 policies I had to wait for all of them to have the same amount of months in holidays, and he said old mutual does them automatically, so I couldn't afford my payments, then went back to the offices after a few months, to pay the remainder and I deposited, and in December too, now in December I'm told one of the policy lapsed in May already, yet I had paid it, true on December they deducted, for the 3 policies, but was still not satisfied with them saying it lapsed in May when I had already paid, I emailed but would get I'm 12 months behind and so forth, this year one of the policy kept on debuting twice, I went to them and the girl was clueless, and said she would launch a complaint, which I never received any feed back, I then 4 times with in a period kept on going to them, due to confusion over my policies, in Feb I again went and and was told I couldn't pay for a policy which in their system shows lapsed long ago, but I paid, that Feb month, now I had asked and gone via many routes seeking assistance, nothing, their consultants said I shouldn't pay, and the policies were my mother in laws, she passed in the process of me still trying to figure out, Now old mutual paid out on one, Never even sending me the grocery voucher they usually send, They never refunded me back my money from double debiting, after I had gone to their offices, never paid out on my other policy, which I feel they needed to ay me my full policy cover because it was their people or system misi forming me, and I want a refund of my other policy, which I had paid by they said lapsed long...