False advertising, terrible product and terrible service.

I have had an RA with Old Mutual for 5 years and have come to realise that it is not receiving any interest. This is not what I was sold by the advisor which said 5-7% annually. He no longer works for OM and I can not get hold of him. I therefore reached out to OM customer service to ask that this be cancelled so that I can move the funds to an interest bearing account but was told I can't access it until I'm 55. This is completely ********* and unacceptable. How can you just keep my money without giving me interest in return!!?? Further, your service agent on email was no help and told me I need to now go into a branch or contact my advisor (who is uncontactable). I have tried to address this myself on the online portal but that now says I am "unauthorised" to access my own account. I can't even log in now. This is completely ridiculous! Please have someone get back to me so that I can sort this out.