BAD SERVICE NO FOLLOW UP ON CLIENTS

Then my second issue I have is the broker fee that I have paid, I sent an email last week to Liberty and spoke to yourself to advise no commission can be paid back to me, but I do not believe this and will be taking the matter to the Ombudsman for Insurance. I was about 20 - 22 when I took out my policy with Liberty, in the years since my policy was not reviewed once, I do not feel that this is my responsibility as I was not aware that it is an external broker that has been assigned to my policy, and even when this was said to Kevin, he advised that we cannot refund anything to me. I would like to know the following, firstly please can you advise if I can take my RA as is to another company? If so what do I need to do to get this done. Secondly how much commission did I pay since inception of my policy to a NO NAME BROKER? Also if I now cancel the broker by how much will my instalment decrease as I have no Broker to pay no more? Please explain to me why I am not allowed to claim the commission that Liberty has paid to the Broker from my policy but Liberty never double checked the work? <br> How can this not have ever been picked up even when a new Broker was assigned? FULL EMAIL SEN