Breach of contract, bad service,

I took out a life cover policy for my daughter in July 2016. On the 2nd of Feb 2018 via an sms I was informed that the policy was cancelled and I no longer had cover. This was because the policy was in arrears of 16kZAR of which now it has come down to 13kZAR, (when contacting one of the agents) . I do not understand how I could be owing R13 000, when all I paid since 2016 till now in accumulation does not even reach R3000.

No proof has been provided to show how is it that I ended up owing such an exorbitant amount? Why did I not get informed if this was the case? My bank statement shows that Hollard has been deducting money from my account monthly .

How can I receive an sms that says "Your policy did not start and you no longer have cover"? What about the money I have been paying what happened to it, all the follow ups I have been doing? The worst thing is that I am the one who needs to follow up on this matter, no call centre agent ever contacts me. I have been contacting these people so frequently and still no solution. There has been numerous hiccups along the way and even during those moments, I had to be the one calling the service department. Hollard is full of unprofessional personnel, your lack of professionalism is disgusting. You do not provide proof, you are full of ******.

If this matter does not get resolved urgently, you have another thing coming. I will not rest until this matter is resolved, if not, then reimburse me for all of my money and cancel the policy. You will not get away with my money. The following are the call centre agents i spoke to on certain dates along with the call ref#: - July 2016- Masechaba Dlamini (activation of policy) - 09 Nov 2017- Rachel (ref# ********** 766) - 29 Nov 2017-Thato- (ref# ********** 372) - 26 Jan 2018 (ref# ********** 720) -Seipati-(ref# ********** 575) - 02 feb 2018- Ofentse - Shaun Ngobeni erf# ********** 568 -Prudence-20 Feb 2018 -21 Feb 2018 - Melvin Mazana (ref# ********** 156) -21 Feb 2018 -Siphokazi Mbedeni (ref# ********** 608) As you can seehese are some of the agents Ive managed to jot down, all their responses is the same "We'll come back to you" LIES!!! they never do. I always have to call back and do a follow up EVERYTIME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I am sick and tired of this kind of service! Either give me back my money and cancel the policy, or fix the problem, otherwise I am taking you to the OMBUDSMAN