Discount and Mislead -Incompetency

I hereby wish to voice my displeasure, dissatisfaction and frustration at a manner in which I have been treated as a client by AVBOB through it's incompetency. I had a policy with AVBOB that commenced 2014-Feb and I was paying R318 which covered me and 5 people including my mother.<br> I then got sick 2015 for 6 months and my company only paid me for 3 months and AVBOB was notified when they were calling to ask about payments and it let to my policy lapse.<br> In November 2015 one of your SALES CONSULTANT came to maponya mall where I work, and I told him I had a policy with AVBOB which had lapsed and would like to reinstate it.<br> He then told me that since 2015 June AVBOB had changed the terms and conditions in that there will no longer be a waiting period if you reinstate. I then told him to add 2 more people and work out the amount that I need to be paying from December 2014, He indeed calculated and gave me an amount of R447.00.<br> After a few days I received an sms with a new policy number which puzzled me and the January I received a post that had the new policy number.<br> My mom passed on last week Wednesday 10/02/2015, I called AVBOB to come and take my mom who died at home, and the people