Extremely poor service and *********** employees.

The worst service I've ever received. *********** stuff and just terrible service, taking extremely long to get small things done. 1. We already have life insurance with momentum and I was trying to get bond cover with them as well. The product benefits were initially incorrectly explained and after doing my own investigation, I found out the product they wanted to sell me and on the contract was not what I wanted. The FA loaded the debit date before everything was concluded and assured me that no debit will go off until I'm satisfied with the product (have coms/email as proof), however the 1st debit went off before everything was resolved and when I finally got feedback from them, the amount was to increase, so I opted to cancel the policy new policy. However when I requested a refund of the 1st payment, the reply was that no refund is due. Momentum's employees don't even know their own cancelation policy. I canceled the policy before 30days of receiving the contract and even so if everything was handle effectively and correctly I would be in this mess. 2. Because I had opted not to take the new policy, we had our current life insurance increased and also updated our personal details. This was also horribly handled. They didn't capture the changes correctly the first time and even when I highlight to show their errors, they still failed with the updates (this was the 2nd time), this is basically a copy and paste thing. I honestly don't understand this level of incompetence, with me having to highlight and explain to them their own policy benefits is just unacceptable and unprofessional. We have multiple insurances with momentum but I think it's time to look at other companies that are professional and efficient.