Old Mutual can't be trusted

I would not bother signing up with Old Mutual if I was planning to do retirement. I did a thorough comparison and Old Mutual comes out 6% higher iro of costs than other companies. Their EAC is 7,4% effective in the first year, the cost of which would set-off any gains that would be made that way. Second year it's 6% odd and then 5,4%. The industry average is around 1-2%. They use their brand to hide their ridiculous cost. This is a ****.

Secondly, I did initiate a contract with them but before the debit order went off, 10 days before I informed Old Mutual that I am reconsidering my policy with them. Yet they still deducted my account. It has been a month and I have not gotten my money back. I am definitely not signing with Old Mutual now. They still have my money and every week they tell me it's been processed and every week, I check and my money has not been returned. I am also losing out on interest as this is my money and I would have invested in. Old Mutual is clearing just using their name brand to rob people. If you think I am lying , speak to the consultants Zakkariyya Sattar & Sayed Fakroodeen, they can testify I am telling the truth.