Bad bad service

I hate this insurer with all my heart ,i will never recommend any1 to open an account with this so called oldmutual ,ever since my son passed on is just a nightmare,My son had insured his daughter and since im a guardian i went to their offices last year with all documents needed everything went well and the child money was paid into her account since i was advised to open minor account so that they use it to pay ,the money got paid into the account but to my surprise when i was about to withdraw the money to buy her school staff the account was blocked then i immediately when back to the branch and i was told that due to fica so i must submit proof of res,i did submit it as i was told but it the money not coming out then i was told by consultant that we need to re set the pin to withdraw they did re-set still nothing there for i was told that i must bring letter of guardianship i then when to court this year i went to submit the guardianship then again i was told that we cannot have an acces to funds,its seems no1 is willing to to help me and im a pensioner im also spending money to run around for nothing,im soo frustrated and dont know what to do,the child has needs but she cant have access to the money her father left for her