Standard Bank funeral cover

I am tired of following up on my account that suddenly stopped working in July and I have went to the Standard Bank carnival mall branch many times and told I will be called back with feedback. I went there numerous times and spent over 2-3 hours waiting only to be told by Inno the consultant that she is still enquiring and will get back to me. I am not even worried about my bank account not working but my funeral cover, since July they stopped taking the money I left in the bank account for the funeral cover to access but they do take the monthly fees for the cheque account. I can’t afford to have my funeral cover lapsing due to incompetence.