Poor customer service advice.

I called them asking if I can please drop my current plan of R2400 a month to a plan that costs R1800 ..because work wasn't going great,life got expensive and I needed to save where I can.. I did not need the plan I was on because I do not need doctor visits etc and savings because I was then "fit and healthy" never went to hospitals and doctors..

I had a savings of R6000 +- ..they inform me that only way to drop a plan is to use my savings because the cheaper plan has not got a savings option and they recommend I use the money because the pay out process takes time..

I agree to that.. it is all on recording..

I then go to tonga optical get new glasses and prescription sun glasses.. came up to R5200.. medical aid approved the quote and paid it..

I then asked if I can drop to the cheaper plan ..I get told " No you can not because you spent your annual savings to quick..so in order to drop a plan I must pay in R1950 " I asked them why and explained to them what I was told to do I order to drop a plan.. and that's why I got the glasses ..

I paid that month's installment of R2400 ..and then canceled my medical aid completely.

They now have lawyers phoning me asking for the R1950 because of the savings being used to quickly??

Please can someone explain to me why I am liable for that if I followed their advice ? I was with discovery for almost 4 years . Never missed a payment.. Again I am not going to pay them for following their advice ..

I simply just wanted to drop to a cheaper plan and they tried everything possible to keep me paying for the expensive one..

I never in the 4 years asked to drop plans or move to a better plan .. I was always on the essential delta plan if I'm not mistaken..