Late joiner fee !!!!

I recently noticed a monthly deduction from Fedhealth for late joiner fee. I queried this and they explained it was because we were not on a medical aid prior to joining Fedhealth. I advised them that we have always been on medical aid and they ask me to forward the membership certificate as proof, which I did. Thereafter they adjusted the late joiner fee to 5% monthly because my husband has not been on medical aid. Again I called and advised that we have always been on medical aid and we should not be paying a late joiner fee. And why is this even a monthly fee ? Anyway long story short, I called again to query this and this time the agent advised me that I waited too long too query this, I should have queried it long ago. I only became aware of this monthly addition to my premium when I asked for a breakdown of the fees because I had my son removed from the medical aid and there was not much difference in subscription. The agent then advised me that the late joiner fee is on my statement every month( who reads their statement anyway) I looked and cant find it. I would appreciate it if someone from Fedhealth can please urgently resolve this for me.