Reinstated a policy without my consent

According to my policy document it clearly stipulates thay If I do not pay premiums for three consecutive months the policy will be cancelled. Firstly I did not accept any debit check Mandate so according to oayments association I do not have any agreement with yall. Now for yall to go as far as reinstating that policy without my consent, Id like to see a clause on my agreement with yall which states that yall can reinstate this policy without my consent even after 3 consecutive months of non payment. Now I have incurred bank fees for that bounced debit order who should be liable to oay that?