INCORRECT VALUE PAID - POLICY #

I took out a policy in Nov 2005. When I received the portfolio update recently, I detected that the returns over the last number of years was not that great. I requested an updated surrender value. I was provided with a value and I had to inform the consultant that this cannot be correct as further premium payments had taken place. I emailed for an updated value and got this. On enquiring whether these values are final and no MVA will be app****, it was confirmed, in writing as to what the SURRENDER VALUE will be. Based on this assurance I submitted a Surrender form.<br> <br> TO MY HORROR, The value paid out was LESS than QUOTED even after confirmation of the amount. Why the LIES I am wanting the full value, calculated by YOUR ACTUARIAL department, to be paid!