**************** on annual fee

I joined chubb in July and I paid an annual communication fee of R279, to my suprise I got an sms last month stating that on the 2nd of October, the annual communication fee will be debited! I am not happy about this because it means I paid the annual fee yet I joined 3 months before the next one could be debited. There should be a pro rata or something on the fee. The sales consultant never mentioned that it will be debited again in October therefore I cannot pay it now. It is either they move it to a later date or pro rata the first one I paid because right now I do not have that money. I would rather cancel my subscription and make an arrangement of paying the cancellation fee over a 6 month period failing which I will have to refer this matter to the ombudsman.