Unfairly terminating membership

<p>Discovery cancelled my membership due to non payment. I did in fact pay and they refunded the payment due to the fact that a declaration of health was not sent. The health declaration was in fact sent and their staff did not check the documents correctly.The payment that they refunded was paid into a bank account that is under dispute therefore the funds cannot be accessed by myself.Discovery did not inform me of this refund.I only became aware when i received an sms to say that my membership is suspended.On receiving the sms i immediately called discovery and explained the situation to them.The lady then informed me that they will get the funds back from the bank.They then unsuspended my membership.2 months down the line i received another sms stating my membership is suspended again.I called again and had to explain the situation again.They said they will write a letter to the bank to get the funds back.My membership was unsuspended again.All the while i continued to pay my premiums as normal.Last month my membership was suspended and then unsuspended every week, i had to call to get it unsuspended.I then received a message stating my membership has been cancelled.Discovery did not inform me that they did not get the funds back from the bank and just went ahead and cancelled my membership.If the membership was infact not active in January already due to "non payment" and no health declaration, why did discovery keep taking my payments until April and not refund those as well as they claim they cannot keep funds that cant be allocated. Also note that during this period had anything happened to me they would not have payed out due to the "non payment" , yet they continued taking premiums from me.Discovery in general have been a pleasure to deal with until this issue.The staff in the credit control division have no clue as to what is going on.Should discovery not decide to reinstate my membership,i expect a refund of my premiums from January as they state "by law they cannot keep premiums that they cant allocate". I would also like to point out that my membership was cancelled when there was still over a week of the month to , yet i paid for the entire month. I have been waiting for feedback from discovery for the last 2 weeks and have gotten nothing even though i call every 2nd day. I am highly unsatisfied at the service levels and will be taking this to the ombudsman as discovery are in the wrong, mainly due to the staff member not checking documents properly and are trying to shy away from providing a service that has been paid for.I would also like to point out that my claims were minimal , i had 1 doctors visit and 1 filling during the period. </p>