AVBOB REFUSE TO CANCEL POLICIES

In 2010, I have app**** for funeral cover with AVBOB, the agent that was assisting me, made me to take 4 policies instead of taking 1 policy for his/her own selfish reasons (commission issues). I took a policy for myself family (M, hubby and kids, policy for my sister and her daughter, separate policy for my aunt, separate policy for my father. I could have taken one policy and add all people as extended on the same policy. I took the policies on behalf of my sister, father and aunt and it was accepted. I have been paying for this policy for 8yrs now and they never questioned if I have informed them or not. I am the one paying for the policies every month.

Now if I want to cancel and open one policy for all (same day of cause), they say we will all have the 6months waiting period. For what because, I have been with them for 8yrs? Its not like I am a new client.

I now want to cancel the policies due the fact that Im paying more than I should for taking four policies instead of 1. I want to apply for another policy where I can add all on one policy and pay less. Unfortunately they cannot provide me (the one who opened the policy and who is paying everymonth) with surrender value and cannot allow me to cancel the policy on their behalf. I have to bring my sister, aunt and father to their offices for them to fill the cancellation forms. For what , I am the one who opened the policies and Im the one who is paying for them. Why didn't the tell me to bring them to their offices when I opened the policies for them? they gave me forms for them complete at the police station and the forms must be completed by commissioner of oath and by notary.

We live in different provinces and its difficult for me to go with each one of them to Avbob offices. I really want to cancel them and I want to hear nothing about Avbob.

I was thinking of reversing their debit order and allow the policies to lapse, but they will charge me and will not give the full surrender value.

I cant take this anymore, i want to cancel everything and get my money and open policy with other service provider.

Kind regards MJ **********