Lack of professional service

I recently requested for Old Mutual to remove two of the benefits from my Policy namely ill health cover. This was done the next day after request was sent however my monthly premium was not reduced accordingly on the next debit. I enquired as to the reason for this and to be reimbursed....I was told that the request must be sent 5 days prior to the debit order date in order for the new debit to be activated and I will not be reimbursed. I rep****, via email; that I was not told of that "terms and condition" when I initially called and spoke to the Old Mutual official. The call taker merely told me to send in a signed letter of my request to their customer service email. At no time was I told of the " 5 day rule prior to debit order date". This is very unprofessional and I should be not be prejudiced due to the fact all the relevant information was not given to me. Disappointed mainly because I received good service from their short term consultant just weeks ago.