Bad treatment and bad customer service

I have app**** for a credit card and an access facility from capitec bank in 2022 and 2023, i was granted, i resigned from the company i was working for after being booked off for a week due to my mental and physical health. I got another job and i was able to continue with my payments. The company i was recently working for, grants were cut due to USAID and contracts ended and were not renewed. I then submitted everything to capitec to inform them that i am no longer working and i app**** for my credit to be paid through the Insurance that was part of my monthly payments and they said they have reviewed my application and they cannot help me. What is the purpose of having insurance for unemployment if it will not assist me in times of need. every month there are fees for insurance but now they don't want to pay. I then called capitec, to say since you don't want to pay through the insurance, can you give me a way forward, i even wrote an email, but there was no response and it has been over a month. Is this a way to treat your customers? Now i receive messages of them saying i will be taken to lawyers and courts since I've not been able to honour my agreement with them. I then wrote a follow up email but still there was no assistance. Before my contract ended i visited the westgate branch and i was badly treated by a lady who did not even want to hear my story. I cant even remember her name because i was so broken and hurt by the treatment of the bank that i loved and trusted so much.