DISCOVERY verbal advise not reflecting the PAY-OUTS when "claiming"

I am unhappy with Discovery and the mis-leading information personnel provides in selling, maintaining policies…

Earlier this year Discovery had to review my policy because of extra ordinary high premiums I pay on car insurance – At that time the lady said “…remember you can withdraw at any time your insurance excess fund…”

So a week ago I tried. Now they advise:  “Only the policy holder contributions i.e. the 50% in five days…”.  In the fund was R2  I.o.w Discovery would have paid out R1  Discovery only paid R0.3

1.) Discovery mislead customers when selling policies. 2.) Discovery mislead customers when they like to maintain the policies when customers want to move away. 3.) Discovery LOYALTY PROGRAMMES is way too complex and contains “empty promises” especially related to the above… 4.) Discovery REWARDS converted from an EARN BASIS to a GAMBLING basis…. Refer to smoothies etc. 5.) Discovery will claim you had to read your contract?! Where is the recordings when selling the policies and maintaining the policies?