FULL PREMIUM REFUND

Dear Sir/Madam,

RE: DEMAND FOR FULL PREMIUM REFUND

Consider this your final opportunity to resolve this matter before I escalate it through every regulatory and legal channel available to me.

I request a full refund of every single premium with my SASSA Old age pension grant that I have paid to Dial Direct since inception.

The Reality: I held up my end of this contract. Religiously. Month after month. I paid my premiums on time, every time, because I believed—foolishly, it turns out—that Dial Direct would hold up yours.

Then I actually needed you. And you failed. Spectacularly.

My recent claim was a masterclass in incompetence and indifference:

- Customer service so dismissive it made clear my business meant nothing to you

You did not provide the service I paid for. You did not honour your contractual obligations. You took my money and, when it mattered, you were nowhere to be found.

What Happens Next: My policy is cancelled. Effective immediately. I will not waste another rand on a company that treats its customers with such contempt.

I expect:

1. A full refund of all premiums paid since inception—transferred to my account within 10 business days

2. Written confirmation of cancellation and refund within 5 business days.