SENT FROM PILLAR TO POST WITHOUT RESOLUTION

Logged complaint December 2015 ref ***. Complaint acknowledged 21/01/2016. Complaint about breach of contract from Absa's side. Complaint sent from pillar to post and yet still not resolved. Received letter stating I have to contact HR for the complaint on 28/12/2015?? Complaint is that I took out credit life with personal loan. Contract condition stipulated that credit life amount to decrease as loan is repaid. Queried this in 2013 and app**** to cancel credit life. Application to cancel was declined YET Government Gazette Vol 605 of Nov 2015 No 39407, page 11 paragraph 5 states that the consumer has the right to cancel and substitute another policy. Although I have a cheaper policy with better benefits my request was declined. Absa has also breached this policy and I feel that they either have to cancel the credit life from the date my request was declined in 2013 and repay the premiums into the loan account or they must work out manual calculations on the decreasing balance monthly since date of request to cancel. Credit Life department should take ownership for this as they have and are still receiving the credit life instalments.