Metropolitan reaping people off- unhappy client

I am unhappy and shocked by the so called Metropolitan reputable financial institution? I just joined them this year adding to what I already have with the other sevice providers for an investment policy that deducts R1000 monthly which started debiting on 1July 2023, without having received their contract? And that came 45 days later after I had to querie about the proper documentation and little did I know what am I binding my self with?.As I'm going through their reviews.I am not shocked to the service that I have been receiving from them.l after I've decided to cancel everything with them just end of 0ctober after 4 premiums have been debited from my account. I was told and was shocked that if I surrender or cancell I will be receiving just R900 and I got very shocked ,I wrote a long email stating whatever my reason ,including the contract received 45 days late and i wanted the breakdown,in the meantime I've never received even a decent phone call from this institution I have been calling over and over and the last time I called I was told that my matter is with the technical department who will the send me the breakdown of how did the said amount ended up to that very low value,and that was sent only to my email on 1 Dec 2023,Wow!! And what I saw the om that template you are actually reaping people off, you have already charged me the penalty fee of more than R600 as well as the admin of about R300 rand ,what else do you charge for ? on an immature policy that did not even reached the 6 months??? Even the Bank doesn't charge so much when coming forth to cancel or withdrawing prior that stated date,I am very shocked that our of R4000 that you have debited without no interest yet you are telling me about the R724 net that I will be receiving. You do things like the business that just opened yesterday that wants to grow fast by milking from poor people like me thinking you will be the best after you were recommended by someone.The worst part is that this is not a funeral policy ,this is a savings policy but to what I have given to you ,you are penalizing of so much amount??? I never received a phone call from you even after I received an sms saying this and that will give me a call shortly I have been using my airtime even this afternoon I used my phone to stil say I am not happy with what I will be getting from you and this matter need to be sorted in a better way I fell ****** by this service provider and by looking at the negative reviews from clients you should all be ashamed of your selves as heads of this financial institution,Owh our banks are way too much better than you and they are honest.