Poor service or just plain incompetence???

Universal unfortunately took over the administration of my medical scheme. The service is so poor that my health is suffering as a result! Accounts are not paid on time and my savings are ********ly being depleted instead of PMB benefits! My chronic medications all have co-payments even though its the same medications i have been using for years??? Everybody dealing with my medical aid complains about their poor service and incompetence!!! Complaints don't get resolved properly and it is causing my health to deteriorate!!! When i complained too much, someone went and changed my e-mail address so that i don't get any statements? This was done without my consent and a breach of the POPI act!!! SARS is also on my case because the medical aid did not submit the correct tax certificates that reflect my contributions and expenses??? Universal should also be investigated for the way their systems are de*****ing members of their savings!!!