Pathetic service

We bought a house in 2009 and took the compulsory life cover for the house with old mutual. We have now paid off the house but struggling to cancelled the life cover policy with old mutual from the 10 of may we are being sent from here to there. Both FNB and Old Mutual pointing fingers at each other saying no it's not us it the other company. What does it take for a company to cancelle a life policies once the house is paid off. Old mutual wants a security code to cancel the policy, FNB says they have no idea what old mutual is asking for. FNB sent a letter to old mutual stating that the house is paid off till date they still ask me to send a letter for cancellation which I sent twice. We don't have money lying around to donate to rich companies while I have my own life and bills to pay. Can someone please tell me what on earth is happening. And why does the employees of both parties doesn't agree and why I should be involved in their own mess of not knowing what to do. Should the debit order go through I will reverse and cancelled all the policies I have with old mutual. I am not getting pleasure at all with both this two companies. I am using my cellphone to phone both companies and no help. They are waisting my time and airtime. Can someone PLEASE give the expensive code that old mutual wants. I am irritated and this is unacceptable. I am a client how on earth do you treat customers like trash after paying so much money for so many years. I wonder what was going to happen if I had not paid off the house and there was a claim???? Please train your employees as it is not my responsibility to know the code had you given the security code day 1 when we bought the house I would have kept it somewhere safe and would have given it to both parties by now.