Policy wrongly terminated despite all premiums being paid

I am extremely frustrated with the administration of my Sanlam Gap Cover policy. My premiums have been paid and my account was up to date, yet my policy was incorrectly terminated and I am now being told that I am three months in arrears, which is not true. The correct sequence of events is as follows: My February debit order of R381.00 went through successfully on 02/02/2026 and was not reversed. On 02/03/2026 a double premium of R762.00 was deducted from my account. I immediately disputed this and my bank reversed the incorrect amount. On 03/03/2026 I informed Sanlam Gap of the situation and paid the correct premium of R381.00 via EFT for my March premium. I received confirmation from Sanlam that my proof of payment had been received. On 08/03/2026 I received an email stating that my account was three months in arrears and that my policy had been terminated. On 09/03/2026 I received another email confirming that my policy had been activated again. On 10/03/2026 Sanlam paid R381.00 into my account, which they referred to as a refund. I do not understand why this refund was made. On 16/03/2026 I received communication stating that my February debit order had been reversed and that three amounts would be debited from my account (February premium, March premium, and the refund). This is incorrect, as my February premium was never reversed and my March premium was paid via eft. To avoid further confusion, I repaid the R381.00 refund via EFT on 16/03/2026 and sent proof of payment to Sanlam. Despite all of the above, Sanlam continues to reflect incorrect arrears on my account. My records clearly show that: February premium was successfully paid March premium was paid via EFT The refund amount has already been repaid This situation appears to be the result of administrative and allocation errors on Sanlam’s side. This has caused unnecessary stress and wasted a significant amount of my time trying to resolve an issue that was not caused by me. I expect: My policy to be reinstated with no interruption in cover. My payment record to be corrected Written confirmation that my account is up to date If this matter is not resolved urgently, I will proceed with a formal complaint to the Ombudsman.