RETIREMENT SURRENDERING

Good Evening The review is based on the Retirement Policy I took with them. The problem comes now if I have to surrender the policy with them and bring back my money, now they are telling me all the good stories to them, that i can not surrender the policy of which this is my money that i have invested with them. The terms and policy comes only now as I am willing to surrender because I have a problem that needs up until today i have not got any joy from them money I need the Money that is my money I even gave a lot of options to undergo so that i can get my money I need it I have emails I wrote to them,