Very Bad Service

I have submitted a claims form with all supporting documents to Capitec because of the fact that I am no longer employed and my loan was paid and now that I am not employed and cannot afford the instalment I get all these unnecessary calls from Capitec telling me I must pay this instalment as its the last instalment and it's not covered under the credit life insurance... How does that work now, what was the reason for giving me credit life insurance if I cannot claim on the insurance when I have paid for it. Should Capitec want to get in touch with me they can do it via email at **********