Outsurance Worst Service

After being with Outsurance since 2016 with OUTsurance Credit Protection Facility which I have not at all claimed from, when months were tough payments weren't there but always known that I would not be covered for the period till now this month payment was reversed and then I get an email from Outsurance stating that my account has been cancelled due to 2 consecutive payments so I call them as that was not true then they advise they will advise someone to call me back to get the account reinstated till they call me and say that they will not be reinstating my account due to bad payment.. So what actually happens to my 4 years payment? They want to tell me I was covered for the period so what were they expecting happened to me in this 4 years? This is the worst service I have ever received and would never advise anyone to go with them.. They always talking about 3 years no claim and you will received all your premiums back yet once you were in it then they tell you 15 years? Serious then after 4 years of no payment they want to cancel the policy and all my money they credit?