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on the 29th April 2015 , I sent a surrender letter to tis email address [Email Removed] for submission of my surrender letter because I want to cancel my retirement annuity policy with them.Today on the 14th May I called to make follow up on the surrender request ,they start telling me that I need to send a paid up letter before the surrender request.my question is why do they wait for customers t call them first and enquire if they can just communicate to say that this is whats missing from your request.And to top it off why didnt they alert me once they received my documents on their side????,because on the same day i received a confirmation saying they got the letter...Why wait for me to enquire to tell me what I did not submit???or is it another way of keeping customers against their will......Its ****py service what this company is doing and ye all this time I actually thought they were the best since I have policies with them.Now I am really thinking otherwise if this is how they treat their customers...super disappointed and their call centre agents are just not helping.I am annoyed really