Horizon policy, no access to funds & near to homelessnes

I lost my job end of December 2021.unfortunately i haven't been able to get a new job.I'm currently needing urgent cash.I callled old mutual to get access to my funds and was told there is nothing they can do as it is R30k and can only access it after I'm 55yrs? And that if it was under R17k I would be able to access it. I'm 50yrs & one of the reans i can't get another job.i even asked if i can borrow against it and the consultant just told me no.What use it after 55yrs when i need it now and might end up being homeless? I'm at the end of my rope and don't know what to do