Old Mutual the ********

I had a disability insurance, I got injured and they declined my claim on terms and conditions that were not on my contract. When I disputed that, they said they are using TnC from their Reference Book, when I asked why were those TnC not included in my contract No Answer. Their TnC said the policy I took was for full time employed people, and that should I stop working the policy would be automatically cancelled. I told them these TnC are not in my contract they said they posted it. When I asked why didn't they tell me there was going to be another contract posted with different TnC they said I should harassed them after a month that I did not receive it, but how was I going to know if they did not tell me. I wrote to the Ombudsman they said toe they have proof OM posted it. I went to 5 different OM branches to get a copy so that I may put the matter to rest, because maybe they did post it. There was nothing except for the first one. The Ombudsman said they are closing their file . Up until now OM is still deducting even though they said they will close their files. I wrote them an email they responded and said they will look into matter and come back still nothing. My claim was declined in 2016 but are still deducting.