Being bul**** on Itc by discovery's legal team!!!

I had a discovery medical aid and before I enroled I asked my employer about which plan must I take they advised me to call discovery health and I did and different schemes were suggested but eventually I was advised to take savings plan it was said that is is convenient because I will have medical savings when the medical aid become exhausted but as to how was the savings work or should be paid back it was not explained. I then cancelled the medical aid after I got a new job and I called in to cancel and I asked if there was any amount owing there was no amount this was in July then in November I get notification from Transunion that a letter of demand has been issued by discovery I call them back and they say yes I have been served 4 letters on my postal address without any response. I then had few questions for discovery. All along we had been communicating via my e-mail and I have made a call to them to find out if I was owing and there was no amount owing. How did this R2036.88 come about no one could say they just said this is the way it is with the savings plan but why wasn't explained when I took the product and why when I closed the medical aid you did not disclose amount?