Not a happy policy holder

Bad , Bad, service, the time they were still approaching us they were very because they wanted my money, I am not happy at all with the service, they don't want to communicate you send them email then bang bad news, Since 2018 I had these policy then August 2022 they are only telling me that I missed a payment and my policy has lapsed because in 2019 I had a month that I didn't pay, 2020 I didn't pay, normally when you miss a debit order they inform you, but they didn't, they continue to deduct my money, let's say I was claiming for a funeral then BOOM you policy lapsed.How can this happen they have been deducting all these years but now the tell me my policy has lapsed, I had to go the Head Office in CapeTown in Bellville, BOOM they can't help me because they don't have no consultant in the office because it's an online policy, I ask can I call one consultant no you can't because they can't access your policy, they online reply online. Did they communicate with me NO NO, but them are busy deducting my money, THIS POLICY IS LIKE ****. They are good in taking our money but they tell me my policy lapsed. CAN SOMEONE FROM SANLAM INDIE call us I am not happy, if I can say I want my refund will they give me NO NO NO , even the Consultant working at SANLAM said it's not a good policy, WHY do you deduct whereas in your system mind our policies have lapsed.