i do not have a name for it

<p>i paid my premiums on time for the past two months and the 3rd month they debited from my account and days later they kept sending me an email saying that they ddnt debit from my account due to insufficient funds, i then stoppped paying the premiums because i reported it and i havent received any service or feedback from them ever since that day, i even sent an email and tried to contact them to let them know that i am cancelling my policy and still i receive no response from them, </p>