Stay away from Discovery at all costs! They will ruin your credit with unknown charges.

I cancelled my discovery medical aid well within time.About a month later I was sent a bill and no one could explain what it was for. Months later I checked my credit and I discovered I was registered as a defaulter, I have never missed a debit for my medical aid. I contacted them to ask and they had apparently sent my details to a debt collection company who are charging me an interest of an excess of R400+ which includes SMSes which I never received. I asked for proof of these communications and I haven't received them till today. Prior to SSD sending me the statement, discovery sent me a letter of demand dated 30 September 2025 which I paid immediately but I was already registered as a defaulter 6 months ago or last year even