CANCELLING POLICIES WITHOUT OWNER CONSENT

ABOUT 3 MNTHS AGO WE COVERED A CHEV AVEO WITH OUTSURANCE. I SPECIFICALLY TOLD THE AGENT NOT TO MAKE MY CAR POLICY AND MY MOTHERS LIFE COVER POLICY NOT TO BE THE SAME POLICY NUMBER, AS IN THE PAST THIS HAPPENED TO ME BEFORE, THE CAR WAS SOLD AND I HAD TO CANCEL THE POLICY FOR THE CAR, AND BECAUSE THE LIFE COVER HAD THE SAME POLICY NUMBER THEY CANCELED MY MOTHERS LIFE COVER TOO. SHE IS 64 YRS OLD AND CANT GO FOR BLOOD TESTS ANYMORE. THIS IS HIGHLY UNACCEPTABLE, BECAUSE THIS IS BEING REPEATED. ON THE 23RD OFFEBRUARY 2015 I CHANGED MY DEBIT ORDERS TO A DIFFRENT ACCOUNT, I GOT CONFIRMATION, BUT THEY STILL DEDUCTED ON THE OLD ACCOUNT. I CANT BE LIABLE FOR THESE UNPAID DEBITS, THE CALL CENTRE AGENTS ARE TO IN A HURRY TO CLOSE A DEAL, THEY SHOULD CONSIDER CLIENT SATISFACTION FIRST. I DIDNT EVEN RECIEVE AN APOLOGY THE FIRST AND SECOND TIME ABOUT THE CAR AND THE LIFE COVER. THESE ARE TOTALLY TWO DIFFRENT POLICIES.