Dishonorable UNION LIFE

I took out the policy with UNION LIFE when my father got sick in 2017. I took out the policy for my whole family and I paid with debit order. When my father passed away last month , I called them and asked what documents they needed and they emailed me their check list. After that they emailed again to say I was not the BENEFICIARY and I have to go the HIGH COURT for a LETTER OF AUTHORITY before I can put in a claim . They failed to inform me from the beginning that my application forms were INCOMPLETE ,because the most important part of the application form was NOT COMPLETED. They conveniently left that part out and it is on a separate form that states (IF YOU WANT TO ADD A BENEFICIARY) . They refused the claim , but still deducted from my bank account. I cancelled this policy but was told THERE ARE NO REFUNDS . So I JUST WASTED THOUSANDS ON THIS COMPANY.