What happend

Morning, we have been with medihelp for the past 3 years. Dimension prime 2. Our savings account was depleted very early in the year (family of 4). During the july Holiday i decided to contact medihelp to investigate why. I was on the holding for over 20 min before i could speak to an advisor.<br> Advisor stated our savings was cut from 22% per annum to 10% per annum, however our contributions did not change. Now this forces us to upgrade to a higher product. Before we can change products, we need to repay the savings used an amount of 2520. How did this happen??? We were not informed of these changes!!! Please advise.