Gems taking advantage of elderly clients

Gems Member no: *** After my pension from Dept of education I decided to remain with Gems ,usually Gems funds exhausts very early .It happened that I got sick from BP in May this year and there were no funds.As we are elderly people me and my wife we couldn't even afford a GP let alone an over the counter medication . Early in May we went to the Doctor both of us and he referred us to a Pathcare , right now i owe that Doctor R2650 an optometrist R2600 as it ended up to be debited every month. So in October i decided to cancel the medical aid .To my surprise yesterday I receive a call from Gems telling me that I have an outstanding amount arrear contribution of R5600 i need to pay asap please help me .