Unfair treatment during tough economy, unfair payment option

I am so disappointed in Old Mutual, after being a loyal customer for so many years. We all know the economy has been tough on us and I have been struggling to pay my premiums. I requested to pay cash after my debit order failed but they are refusing to give me that option and want my policy to lapse. I am shattered because they dont even want to give me my premiums back. This is not fair and very emotionally traumatic. I am going to take away even my investments because they have lost me as a customer.