****en ****ed Off!!!

I received an SMS stating that "Metropolitan paid your paid up on policy ***. Funds in your bank account within 48 hours!". Now according to my understanding, it means that the requested paid up on the policy has been completed and that the money will be deposited in my account.

Only to find that the last premium was paid to my account. I keep hearing about restrictions that are governed by an Act, but when the policy is taken nothing is explained. When you do a partial surrender or a loan, nothing is explained! To date, I still await my policy documents after the fact and I am now not able to access my own money that I have been saving. Had I known she was not going to complete school I would never have taken a policy. If I had known that I would have to fight for my own money I would never have taken a policy with Metropolitan. I had the same policy with Old Mutual and there were no hassles upon cancellation of my policy. Everything is explained after the fact and it is like no matter what, you will wait on your money.

I called last week and asked that a manager return my call, I am still waiting! I was told that I needed to go into the branch where the partial surrender and loan was done and speak to the manager by the call centre agent. I then asked her whether they are authorised to approve the payment of my policy and she said she does not know. I then asked her what the point would be going there and still having the same outcome; and she again said I do not know. Then I again asked her why she is referring me to a branch if she does not know if the decision can be overturned on the policy and she said she does not know but the manager needs to solve my problem because they never explained the cons of taking a loan on my policy. I asked to speak to the manager which I hoped would provide more clarity and was told that there is not a manager. She then told me that she will ask the manager to call me and I still await that call.

I am very disgruntled with the whole process and I want my money! The next step for me is to seek legal advise or go to a media platform! Don't take my money and paint a beautiful picture and not explain the fine print if you have not given me a contract! The broker and the branch needs to take some responsibility in this and ensure my refund ASAP! I work ****en hard for my money and I want it back!