Feedback on Annuity policy

An Old Mutual broker came to see me on 7Jul '15. My husband and I wanted to review our policies. He advised us to cancel our current Annuity policies and take out new RA policies for pension benefits. We had to write letters to give the authority to do so and for this money to be transferred to another investment. He came to see us again on the 14 Jul and we had to sign for the new policies. Around the end of July he advised us that there will be a penalty to transfer the money from my Old Mutual Annuity to another investment. This information wasn't given to us when he told us to stop these policies and take out new ones. He never gave us further feedback and I advised him not to transfer this money if there is a penalty involved. I have contacted the call centre and asked them to give me a quote on what will happen if I this policy get paid up because I can't afford both policies. It is now more than a month and I am still battling to know what is going on. I have sent an email almost 2 weeks ago requesting this info AGAIN and I received a reply with a statement of my policy which is useless information because I can obtain this information from the internet. I