LIBERTY STOLE MY MONEY - PLEASE READ BEFORE TAKING OUT A POLICY

Please explain this document to me in full detail. If I understand it correctly, I earned on average <1% each year our monies were with you on a total investment of R2.1m. That is less than a CPI of 5% pa (i.e. normal inflation). So, in fact, I was paying you to have my money in these policies at 4%.

How on earth does Liberty consider this to be an acceptable return for a product it is more than comfortable to sell/continue to sell to hard working citizens? Would you personally invest your own hard-earned money in a policy of this nature? My EXECUTIVE financial planner, Heleshia Wales, was either totally oblivious to the fact or was not telling me since she was earning commissions – Your Tebogo is still to give me feedback about why Heleshia did not pick this up and notify me of these catastrophic returns. Heleshia supposedly did a COMPREHENSIVE financial assessment in 2018/19 - why was this not picked up and reported to me?

ALSO, HOW CAN YOU DEDUCT OVER R3300 A MONTH IN FEES FROM A POLICY THAT IS EARNING <1% PER ANNUM? I attach statements to show the extent of the thievery. I cannot express how angry I am... We trusted Liberty with our savings, and this is what we got.

Your fees should be relative to the performance of the policy - not some arcane formula you are trying to defend with legalese. We consumers trust you to look out for us - not ***** from us. Who can I depend on if I cannot trust a blue-chip company like Liberty?

YOU HAVE ****** OUR HARD-EARNED PENSION MONIES! YOU MUST REFUND THOSE MANAGEMENT FEES. THIS IS ********!

PLEASE GIVE COMPREHENSIVE FEEDBACK - I HAVE STARTED AN APPLICATION WITH THE OMBUDSMAN. I HAVE COPIED CONSUMER WATCH ON EAST COAST RADIO IN ON THIS EMAIL HOPING TO SHARE MY FRUSTRATION AND WARN OTHER POLICY OWNERS OF THIS!!

I HAVE TRIED TO PHONE MS JOOSTE BELOW, BUT IT JUST RINGS....?