7 months for assurance debited from my account but was not allocated to my bond insurance now I HAVE A LAPSED cover!!!where did my money go????

I am very disappointed in Standard Bank Home loans, I have been a client for 11 years and I have not gotten an answer about my enquiry for my Assurance cover that has now been lapsed with Liberty.

I got the Liberty bond insurance cover through STD HL in 2011, so the arrangement with that is that HL will debit my personal account for he following: Home loan instalment& interest, building cover & assurance cover. So my understanding with that is Liberty then debits from my homeloan account for my premiums.

In January I requested for my debit order to be moved to a particular date and that was done. However we were only notified in May that our Liberty policy is in arears since January 2022, I was shocked to hear this as my account was still being debited for the same instalment, so my question here is where did HL take my 7months premiums for Liberty and why wasn't I notified about this from Standard Bank but continues to debit my account.

This doesn't only affect my insurance but my life too because essentially this means I have no cover anymore because of an admin mistake STD HL did and now I need to take responsibility for it.

Another thing that frustrates me is that I have been on the same query with STD HL since 26th May 2022 - date and I haven't gotten a concrete answer on where my money went? and could they reinstate/reimburse my policy with Liberty with the money they have been debiting. Instead all they have done is remove the premium amount off the debit amount as of July.

I have been sent from pillar to post with this query and its not fair. I need to answer Liberty for my reinstatement ASAP and I need to also have the premiums you debited from me for those months as they need the whole lumpsum to reinstate.

HS Dibe