Old Mutual keeping the policy proceeds with no response to requests for help

Do not ever let Old Mutual sell you a policy, especially if you are a student, needing money for a varsity fee loan, that policy will never be cancelled and will become the burden of the person who signed as a guarantor for you even if you paid back the loan 10 years earlier. Then just to complicate matters, you find out that when the policy matures, you cannot claim it because you emigrated as a student to Australia without the expensive and complicated tax procedures involved - the policy is in no-man's land. Old Mutual don't care to help you despite emailing and phoning and asking for help for more than 8 months. And don't try to appeal to the National Finance Ombud for help -they just waste your time and 8 months later find nothing wrong with Old Mutual - it is all your fault as an uneducated client...So what now - do we have to just let Old Mutual sit with the policy proceeds? Shame on you Old Mutual!