OM accounting system totally out of balance!

I have been battling since September to correct and change the debit order details. its a private policy 13 years old, being paid from a business account. Eventually this was done. Then they said I'm 1 month in arrear and double deducted - which now makes OM updated - but we are one month in credit! We need to get a refund - their new system is shocking!!! Client service helpful but rely on their back office - just can't get in right!' Really scary. Another good company running on an empty tank! Make proper investigations before you pick a life insurer - next step heading for the Life Ombudsman. Kudos to the client service folks but they are battling!