wrong information and said it is the medical act

i have asked Bonita's to refund my saving they refused to refund it , i was advise i must wait 3 months then later advise i must wait 5 months when asked where does it state in the i was advise that it is part of the medical act i went and google the act read tr-ought It and it does not state that there is a waiting period . i was then later advise that it is part of they term and conditions which i read and there is not waiting period i asked for the lammetjie to call me apologies for giving wrong information and she did did not after i told them i will be going to the FSB,and lodge a formal complaint <br> below is the email that was send to me .<br> <br> Dear Miss Jourd<br> <br> Thank you for notifying us of your complaint. We strive to provide you with the best possible service, and when you feel that it fails to meet your expectations, it is important for us to know.<br> As per our telephonic conversation, we wish to advise as follows:<br> <br> In terms of Section 10 of the Medical Schemes Act (MSA) 131 of 1998, please note the following;<br> <br> If you have joined another medical scheme or benefit option with a savings related benefit, the positive savings balance must be transferred to the related Sche