Bad Investment

I am responding to a report that I wrote previously about my investment. I have invested an amount of R172,612.50 which started in Dec 2012. Due to financial constraints I have had to reduce my payment. Sanlam said it would cost me around R10,000.00 rand to do the change. I was not happy with that so decided to withdraw my money. Now don't stop reading because it gets even more sick. They will only be paying me out R156,929.42 thus I have lost R15,683.08 of my hard earned money and have received no, nil, zero interest over the full period. It leaves a very bitter taste in my mouth. Don't get caught. Run, Run, Run