STAY FAAAR AWAY SKAT!!!

My Samsung Z-Flip has been insured since February 2022, I submitted my first claim in September 2023 for screen damage. The Telkom consultants I submitted my device to, could not trace my claim until December 2023, I then received an SMS! Saying my excess is R1950? How when you claimed for so long that you don't have my phone? I sent Vincent (the contact person) an email requesting an invoice with a cost breakdown stipulating the value the total insurance claim and how they arrived to an excess of that amount with banking details so I can make payment. An SMS? You do not take clients seriously! Did Vincent not reply to the email I sent this month because some lady spoke to him directly and said he would reply. According to this email, my claim was CANCELLED (when? who did he communicate that with?). Apparently the excess was supposed to be paid within 90 DAYS (how when Telkom claimed they did not have my phone for months?). My device was RETURNED to the store UNREPAIRED (did it not occur to them to call me to come get my phone?). Now, according to Vincent my policy will be sent for cancellation as a damaged device may not remain on cover. That time they have been collecting an insurance premium on a damaged device without fail!!! I AM SHIOOK KE SANA! DISTRAUGHT!!!