Ridiculous level of incompetence

My policy was ceded with Fnb. Old Mutual could not trace it and told me to trace it. This took almost a year. I managed to get it unceded even though Fnb lost it. Now I just cannot get them to pay out this policy. My husband passed away on 23rd April 2014 and I have been struggling ever since. They just keep passing the buck from one to another. Now they want me to open a late estate account again (I don't know if this is possible) My husbands estate was wound up long ago. This has dragged for more than a year due to their incompetence. No one is interested in helping me. It would be great if someone with some brains and understanding could contact me.<br> <br> Elly Willis - Cramond