MSA refund when unused

Some time in November 2015 I resigned from my employer and had to terminate my medical aid because of affordability. I had mailed every document that was requested of me from day one. Not once has the discovery consultants mentioned above called me to give me feedback, I do not know why did they asked me to motivate my request if they will take their time and drag their feet responding to this matter. The purpose of motivation letter is to speed up the process because I did elaborate to them my reason for asking for my refund. Discovery is such a huge organisation filled with *********** consultants who do not do their jobs. Us as customers we end up doing their jobs for them, while our country is full of competent young males and females who are eager to work yet do not get opportunities. They rip us off every month with their med aid premiums yet many of us never get to use these DAMN med aid. Discovery med aid staff was bad and shown unkindness towards me, this med aid is money making scheme and will not recommend it to anyone because they do promise one this and do another. VERY DISSAPOINTED BY THEM:(:(::(:(:(:(:( POOR MANNERS, THEIR CONSULTANTS KNOW NOTHING OF THEIR PRODUCTS.