AFRICAN BANK'S USELESS RETRENCHMENT COVER!!!!

I LOST MY JOB IN SEPTEMBER 2014, I CONTACTED AFRICAN BANK AS I HAVE A CREDIT CARD AND A LOAN WITH THEM, TO NOTIFY THEM THAT I LOST MY JOB, THEY ASKED FOR DOCUMENTS FROM MY EMPLOYER THAT SAYS I AM NO LONGER EMPLOYED. I GAVE THEM ALL THE DOCUMENTS THEY NEEDED, I THEN RECEIVED A SMS TO SAY THAT MY DOCUMENTS WAS RECEIVED AND THAT IT HAS BEEN SENT TO THE INSURANCE COMPANY, AS I HAVE RETRENCHMENT COVER ON MY ACCOUNTS WITH THEM... SO.. I REQUESTED MY CREDIT REPORT FROM TRANS UNION TO SEE IF MY CREDIT SCORE IS STILL IN GOOD ORDER!!!! BUT AS YOU WOULD EXPECT FROM A PLACE LIKE AFRICAN BANK, IT SHOWS THAT I HAVENT PAID MY ACCOUNT SINCE SEPTEMBER!!! WHY DO THEY OFFER THE RETRENCHMENT COVER THEN IF THE LIST YOU AS A BAD PAYER??????<br> <br> I AM NOT HAPPY ABOUT THIS!!!! I NEED ANSWERS!!!