Momentum - absolutely dreadful experience

My broker advised me to go with Momentum and he had nothing but great reviews for Momentum. I did the application online and the consultant called me back promptly. After spending nearly 30mins doing all sorts of yes or no questions. I was told I was approved at a certain rate but if I download the app I might get a further discount depending on my score - I got a decent score which should have dropped my rate but on receiving the contract the cost was more and there was an additional charge for policy fees which were never discussed - it's a small amout of R30 which in itself is not alot but it is still my hard earn money and I should be informed beforehand if there is additional costs being added.

I was told the call was being recorded but when I requested the transcripts of my call they could not find it and then had the audacity to ask me to provide them more information regarding, time, consultant name. There is obvioulsy a paper trail i.e. constultant emails the contracts department who then sends me the contract. How difficult is it to backtrack email threads and then track down my transcripts.

I feel that the consultant may have messed up and instead of keeping their word they'd rather **** not knowing! I felt so uncomfortable by what has transpired that I canceled my policy. Imagine what would happen if I died - my spouse would be grieving and having to deal with similar people and excuses.

The worse part is that I sent in my cancelation email and not a single consultant called or email me requesting a possible call to discuss what has transpired. All I received was a cancelation email. It's not that I want to feel special and have people beg for my money but where is the service? I get better service from people selling fruits and vegetables on the corner or even the car guard than Momentum.

I'd rather pay higher rates at another company and get peace of mind than have no confidence in my service provider!!!!