Unfair Cancellation

Called this guys for my mothers Funeral cover, told the agent that i want to be the contact person and will be paying. He wanted to speak to my mom and later called me to get banking details. To my surprise he ignored what I told him to do and did what he wanted. There was an unpaid debit order then I called them to inform them that I need to be the contact person on the policy. After couple of months they could not debit my account and I personal called them to ask why, I was told that they will call me after four days and as usual no body called and the same thing happened the following month. I called them and they again promised to call back after four days. No one called and I called them back again to find that the policy was cancelled due to non payment. Spoke to the manager who promised to call back, as usual he never called back. Why Why Why