Not good at all

Hello i opened Sanlam Policy *** early this year on 16th January 2026 my first debit order started on the 25th February 2026, as the agreed date every month no one explained to me that if it happens that 25th it's on public holidays or weekends i have to make a payment by myself because they don't debit on those special days. My policy it is been running smoothly until July whereby the 25th was on Saturday, that month they didn't debit and honestly I was not aware of that since when i was opening the policy they didn't tell me that on public holidays and weekends i have to pay by myself. July passed on to August no is one is informing me about the skipped month which is July, August and September debited like as usual on October i received an SMS notification that stated i skipped the payment due debit order date it's on weekend so i have to pay via easypay, on the 27th October 2026 i made the payment via easypay on my app then i went to the branch @Golden walk shopping center to ask why i have to pay by myself i found a good Agent who explained to me that on public holidays and weekends they are not able to debit that is why i received the massage about the payment. Then he phoned Head Office after login into my profile since he realized I that I'm having an outstanding balance from July to ask how's that possible, he spoke to one lady, she asked to talk to me i explain to her that i didn't get any sms or call from them about July payment until October i received sms notification that is why i did make a payment on the 27th October 2026. She started that they over charge me between August and September to recover the July premium they debited normal premium and a half without even communicating with me i only found out at the branch when I'm asking why they didn't call me or send me sms while it's still early about July she said she is going to investigate she will call me back since 27th October i didn't receive any call from Sanlam. Yesterday I went to the branch again to report to Agent the situation he called and spoke to another agent asked to talk me that did not know what he was saying he told me that i didn't approve the mandate then he said he will call me back he never called me back. Please advise since company failed to communicate with me since July, they said i must make the payment arrangements for the remaining half of the amount for July, i don't think it's fair for me to make that payment, look at October immediately i did make a payment after receiving thier sms please assist me with this matter I'm stucked