Unacceptable

I have app**** for a 2nd funeral cover and asked for a premium holiday on the old cover,

I was told that I should wait for my debit order to go through as it was too late in the month of November to apply that. I was told to call as soon as the debit goes through. And I did But Now , Old mutual tells me that the premium holiday can only starts in January? So i'll be double charged for their mistakes.