Unprofessional service and manner of approach with dealing with me as a customer

I just phoned momentum regarding my retirement annuity that I started saving in 2017,I wanted to cancel it but I was told I cannot get the money until I turn the age of 55.according to my knowledge this is the money that I decided to save out of my own pocket it's not even from my employer. And the way I understand is that if I get my money back there will be some penalties.so now I am being told about the broker and that I cant cancel while I am the one that decided to take a step to take this policy.I just need my money and I will save it with my preferred bank why should there be discussions on how I could get it back,why now does it have to involve a broker while the guy that assisted me back then resigned a long time ago.why is it that all the time when one wants their money at momentum they are given a run around.same thing happened when I asked to withdraw my savings.at the end of the day it's money from my own pocket not the employer I made a decision then and now I have decided otherwise.the lady that assisted me told me that no one can assist me.She tells me about legislation but I was not told about legislation when I decided to save this money.I am very disappointed and all I want is my money back I don't wanna hear about the 55 years what what coz no one decided to save on my behalf.I know there should be penalties for early withdrawal it's not like I'm withdrawing my employers retirement