Penalty

A representative of a health scheme contacted me (again) this week with a big problem. My old Church and I -- 50% each -- had paid the scheme a massive penalty. In today's terms some R40 000. Not only this, but there would be a much bigger penalty for me in future, given the same plan. I wasn't aware that I was in this situation, or that we had been paying the penalty. I did the obvious: I asked my old Church to take a look.