Four times over debit of current monthly premium for my gap cover.

I was over debited 4 times my monthly premium this month and when I question Stratum why or what happened I got a response but it was about a day later saying they will escalate it. If i miss a payment they either cancel my policy or take me to court yet the vice versa does not apply. I have been told by other sources that it could take months, meanwhile I might get black listed due to none payment of other accounts as the funds allocated have been taken by Stratum.