FNB LACKING CUSTOMER SERVICE

I took a life/funeral policy out with FNB, after the phone call received stating that at any point I would like to cancel I would receive all my premiums back.

When I cancelled, they returned the last month's premium and that is all. When I queried this I get told that this is not part of the cancellation policy however when I checked the cancellation policy it does not state at any point that you will not receive your premiums back.

I contacted them again stating this and now they have completely ignored me.

FNB is so quick to take money for any charges and services and yet there customer service is below par.

Please see below correspondence

Good Day

Once again I am waiting for a week to receive a response from FNB.

I would like this to be sorted out today still.

Please provide the below information as requested so I can take this further.

Kind Regards

Erica Foyn

From: Foyn, Erica Sent: Friday, March 23, 2018 7:54 AM To: ********** Subject: RE: FI ********** 9383 : ********** 125081 - FNBREF# ********** 4

Good Day

Nowhere in the cancellation term does it state that refunds are only applicable in the cooling off period.

Please send the recording where I agreed to take on this policy as this was one of the reasons I agreed I was told that at any time I cancel my policy my premiums will be refunded to me.

Erica Foyn

From: ********** ********** Sent: Friday, March 23, 2018 7:49 AM To: Foyn, Erica Subject: RE: FI ********** 9383 : ********** 125081 - FNBREF# ********** 4

Good day

As per our terms and conditions, there is no refund when you cancel your policy. The only time you are due a refund is if you cancel within the cooling off period which is within 30 days.

Please find attached our terms and conditions.

Regards

Please contact us on weekdays between 08:00 and 17:00 and Saturdays between 08: 00 and 13:00 for further information.

Call Centre Number: ********** E-mail Address: **********

Kind regards

FNB Life ________________________________________

-----Original Message----- From: ********** Sent: 22 March 2018 08:45 AM To: ********** Subject: RE: FI ********** 9383 : ********** 125081 Good Day I have cancelled my Funeral policy and as per the agreement when taking this out, I would like my premiums refunded to me. Please advise when this will happen. Kind Regards Erica Foyn