Old Mutual Policy gone wrong

I Surrendered my Education Policy and upon claiming I was told that because I had not invested for a year then I would be charged 53% penalty fee, never was I told this because had I been informed then I wouldn't have bothered investing my money there, I received the funds and to my shock I got less than what I had contributed towards the policy. To make matters worse, I was debited for the next month when I had made it clear that I didn't want to continue with the policy and when I called their helpdesk I was informed that I would have to either go to my bank (my time wasted) or wait for 9 days for the money to reflect on their side and then CALL THEM TO REVERSE THE DEBIT (my time and airtime wasted). Please help