no refund

i had 2 funeral cover policies with standard bank for more than 10 years, last year i changed my account from savings to cheque account and i notified standard bank about the changes of my account but they did not deduct from new account meaning they did not make changes on my account, i realised that and went back to standard bank at Nicol way mall to raise this issue that they amend my account but still there was no any change. now i am in areas because they have not been deducting and i want out but they said they are not going to pay me the money i have been paying all along. the only claim i made was when my father passed away and they paid me 10 000 so i want to know what happened to the money they have been deducting because now i can't afford the areas i am since the made mistakes of changing my account. i want out of this and they should explain of what is happening with the money that i paid. it was not free i was paying every month until last year when the missed the changing of accounts and they should have picked this up because i have been their customer for more than 20 years....they must pay back what is left for me and i will leave them in peace.