Policy Lapsed

I've got two policy with Old Mutual that I have change the banking details with the consultant. Pol 693455B***5 and 69668P*** from Absa to Standard bank in April. When i check Absa account I have realized that end of April debit order was send to the old account . On the 2/05 debit order send twice on same day to the old account which 138.86 x2 and 165.00 x2 which caused the bank charges of 600.00 (150x4 ) .I have logged in to Old Mutual portal to change banking details again but still on the 31/05 debit order send through again to the old account still another 300.00 for bank charges , what makes things worse is that account it doesn't have money for debit orders . on the 02/06 I called old mutual to find out why they still sending debit order to the wrong bank account and what is going to happen with the bank charges ? consultant advice me to send through email with by bank statement that shows unpaid and the bank charges fee which I did , instead I have received the SMS for another policy not the ones that I have queries with . I called them after 1 week receiving the message and I was told that they will come back to me with feedback. Today on the 21/06 I called in I was told that my policies lapsed I was shocked because I didn't expect that I was hoping that my queries will be resolved , when I asked the consultant she told me they lapsed on the 16/06 . When I have checked on the portal I saw one policy instead of three . I'm not happy with the service and I want all my policy be re-instated because it was not my fault and my bank charges to be refunded because I had to pay all the fees that I didn't cause.