Termination of Membership

I requested a termination of membership form, which I got, but there was no info as to where I was suppose to return it to. So, I filled it in, and returned it to the consultant who send it to me (25/5/2015). The debit order for both medical schemes has been deducted off my account at the beginning of July. When I asked about this, I was told that I was suppose to send the completed form to [Email Removed] - and that I can't get the premium back, as the right department didn't receive the form.<br> Why couldn't the consultant reply to my email to advise me that I send it to the wrong address, or even better, just forward the form to the right department.<br> Please advise me on how to get the premium back, as a person can't be on 2 medical schemes at the same time.<br> <br>