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I hate ever starting this savings. I have lost R1000 out of my pocket of which I could have just saved myself. It is ********* for Old Mutual to say save but then they take such huge chunks of money from your pocket. I started saving in March an amount of R300 which should be by now R3000 and yes I took R700 from short term awhile back so what is R3000-R700=R2300. And yes I know I cancelled early but for penalty to be R1000 and for me to get back only R1300 is utterly insane. You are robbing people out of their hardearned money and I am truly disappointed with Old Mutual and will never ever be taking any services with you again. On top it off that the bad attitude received from consultant was appauling, she even said to \well nothing is going to change