Misleading Credit protection Plans

I am n Private Client with Absa and newer felt so disapointed with a Bank before. I openend my account last year and took out a credit card and overdraft and was never advised that you get credit protection on the products by my banker or had the option to take them out. So about 2 months back i found the products online and took them out. I worked for a company that got to parts and was retrenched from the final part in August 2017. After i tried 3 weeks to locate my policie i submitted my claim. Today i was phoned back that my claim can not be payed out as i claimed my personal loan early in the year and did not claim my creditcard and overdraft then. Then the lady called me back and said theire is a 3 month waitnibg perion up to today no contract was send to me and no information is showing online that you have to wait 3 months i mean you can not predict wen you will be retrenched. My problem is i phoned in to credit life to check policies and the lady told my everthing is in order just go to your nearest branche and submit your documents to us whitch i did then after a week you get a call to say sorry. Im takeing this to cartblance and my lawyer as this is unfair i got all the emails were i was promised to receive my contracts to check the terms but still nothing received ABSA is the most dishonest bank i ever used