Capfin one step away from using "knee capping" as an incentive

When the company my husband was working for started going bad he was obliged to take a loan to make up the amount they were taking as a salary sacrafice. Three months later he was retrenched. We have told Capfin, we have also sent them the letter of retrenchment and requested that they activate credit guarantee insurance. This seems to have made no difference. Every day they phone my number and every day we go through the retrenchment. I don't know why they are not using the credit guarantee insurance but I am tired of going over and over the same ground. They are now threatening us with legal action. I have enough to worry about and i am tired of being threatened