Policy Breach

I would to lodge a complaint against Old Mutual Company from whom unsigned a funeral policy ( ********** ********** 1) for Thobeka Eugenia Tyali ( my sister) in year 2000. She passed away on the 1st August this year in 2018 and when I made a claim for the funeral I was told that the policy be aspired con September 2014. Having followed what they said I was furnished with a letter dated 02/09/2013 where the date 01/09/2017 was stated as its expiry date.

The letter was addressed to me Mrs N.B Mqalo 11 Pioneer Road Pamnure East London of which I never received it as in ever lived at such address. I never received any contract for that policy and this proves it was sent to the wrong address. Thirdly I was surprised that a funeral policy can have an expire date as no one knows about the date of a person. I was only told about the expiry of this policy when I made a claim for the funeral of the insured person.

Further more I was at the branch office last year in June to ask about my life cover policy ( ********** 1) that was not debited and was told that it has lapsed in September 2017. When I wanted to know the reason it was said tat it was not paid for, question by whom as they were debiting all my policies from the same bank account. After checking they found that it's been Old Mutual who bass done the mistake and they promised to correct it, which till today the policy is still on lapsed status.

I therefore request your office to help me with these two policies as I am struggling to understand the reason why one is expired and one has lapsed.