Misleading Clients

I have a huge problem with Outsurance they don't hold up to what they promise. In Dec I was told I will get R1000 of my next premium,than in Jan I didn't budget for it,it went of and I didn't had any funds available. I called and spoke with the agent and was told that the person I referred to premiums had to exceed R1000 only than I will get discount. I told them to go and listen to the voice recording on a specific day and the agent called me back and said that his colleague dint told me about the t&c's and that I qualify but only from end of Feb and yet another payment went of & I didn't budget again so I have to pay the bank cost just because outsurance are misleading clients with there adverti*****ts.