Peace of mind

I took out a tax free investment for a certain amount when i retired .I used to bank at capitec but they dont offer the products i want ,for instant i owe a certain amount of money which i bored ,its less then r8ooo but wouldn't finance me for a home loan ,so i switch and took out a policy and changes banks , the second or third debt didnt go of and was told that my policy is going to be cancell i when to a branch updated my details took out another two policies but struggling for them to debt even the first one but qiuck to tell you they gonna cancell