Cashing in on a retirement annuity

<p>I cashed in a retirement annuity for approximately R81000 and then was only given approx R3400 - Sars said its what i owed was R76000 - I have never had a notification whatsover and how can they can take a retirment package from me at the age of 74 - i still work but on contract and wanted to pay my bond off. This is not acceptable to take a annuity which I have saved most of my life for a retirement. I am now devastated about this - that they can just take my money and if I did owe this money why notification and I could have paid monthly instalments. Now what I heard they cannot just take money I have saved for retirment but they didl. </p>