Clientele??? No dignity at all

I took out an "investment policy with clientele in April 2017. I was advised that there will be a R90 fee for me to be an IFA so my premium was R290. I paid this amount till in Dec 2017 when I realised that this R80 is wasted as I am not an IFA. In Dec,Jan and Feb I reversed the premium and it stopped deducting. Early this month I contacted clientele querying about the value of my investment, I was very shocked when I was told my policy has R159.06. I asked how I was advised that my policy is a funeral plus investment R110 is for my investment and another R110 is for my funeral and R70 is for IFA. The three months I reversed the premium a premium was taken from my investment to cover the funeral part of the policy so I was advised on the phone. Now even if this was the case My policy deducted since May 2017 until Nov 2017 that is 7 months. 110×7=770 (investment) 110×3 months =330. 770-330=440 left in investment. I understand there could be charges but from 450 to 159.06??? Okay worst part I am given a doc to claim this paid up R159.06 I fill it and send it back with my banking details mysteriously R159 changes to be R65 how I don't know... I f I were to rate them I would give them negative 1000 000. I advise clientele to revisit TCF. I was never treated fairly at clientele.