Refund after cancellation of policy - Shocking Service!!!

<p>I cancelled my policy beginning of Nov 2016.</p> <p> </p> <p>As per the T&C's - The consultant stated that there will be some admin costs and cancellation fees in the event that I cancel within the 24 month period, but a refund would be made.</p> <p> </p> <p>After many many many emails and telephone calls, they eventually refunded me 6.5% of all the premiums I paid.</p> <p> </p> <p>This is ridiculous!!</p> <p> </p> <p>When calling them, one has to deal with the Call Centre staff... when I asked to be put through to Senior Managament, there is always some excuse.</p> <p> </p> <p>Sending mails and expecting a reply is also futile!!!</p> <p> </p> <p>One would expect such a large organisations to have their PR up to scratch.</p>