Hollard education plan is a ****

I took Hollard education plan in January 2023( I'm not really sure when exactly but around that time) I was paying R305 and couple of cents every month ( it deducted from persal). I resigned December 2024 for a new job opportunity and that's when Hollard couldn't deduct anymore, I got messages from them that why were not recieving payments and then I called them n told them that the persal number was no longer functioning, they should try turning it into a debit order from my bank account. I was given forms to fill and submit and I did that and they still failed to fix the problem. I then decided to surrender the policy with the hopes that I will start afresh................ yesterday the money I got was R887 and a couple of cents which didn't make sense because they debited for plus minus 21 months which I wask expecting around 6k before penalties and then around 5k if not 4,9k not R887. I called them this morning and they told me that the rest of it went towards a life cover of 33k that I was not even aware existed......so since they didn't get any money from me the whole year, they then decided to take was money for life cover from the money that had been saved......which to me doesn't make sense, there's a life cover that I didn't know of and the life cover was being paid by my savings without my acknowledgement and again that very life cover is no longer existing since I surrendered the policy..........I've been ****med big time