Lapsed policies but debiting the account every month

Safrican don't respond to queries or complaints via email. I laid a complaint (***) on the 19th of August and to this day I have received no response from them. My policies have lapsed without a reason from them as to why. I was told that there was insufficient funds on my account which is a lie because there is always money in my account on the debit day. I have been dealing with one of their collections controller who is not willing to assist with my query. The query was logged in June and still not resolved, have sent multiple emails to debitorder collections without any success. We are being ****med by Safrican, it looks like it's their new way of avoiding to payout should anything happens to our loved ones. To think that I always recommended them, I regret doing that.