Policy Cancelled - IFA and refund now forfeited

I let my financial advisor know that I would like my policy, she said she would get it done, however, my premuim still went of on 26Sep. When I asked her about it, she mentioned that it wasnt done, and then only cancelled it on the 28th This resulted in my refund being less than what was debited as it was cancelled so late.

In my emails to her , I also kept asking about the IFA, to find what how much and when this will be paid out. Half of the IFA is my own money due to the cashbacks, that i asked to be put in the IFA instead of getting the funds paid out.

Now it seem, because the policy was cancelled BEFORE the IFA was requested to be paid out, i have now forfeited MY OWN FUNDS. At no point did anybody state this, and in all my talks with my advisor, since August, she didnt mention this once.

All I got is , "sorry, this wasnt explained to me. " So now I guess all is forgiven. disgusting service. I am been refunded less that what was debited, and now have forfeited the IFA money because of discovery's advisors incompetence. Well done.