CartrackWarranty . Claim

My vehicle was ******, I was on a package that has a warranty that if they can't recover your car they will pay you up to 150k. My car was ******, I reported on time they found the unit but not the car. I then put a claim and my claim is rejected, reason being they are saying my Unit was not tested quatery where else my unit was never faulty, was working fine. Second reason is that my account in is arrears for February 2024, where else they debited on the wrong date, after that they phoned me I made an arrangement with them telephonically and in wroting that the amount be bebited twice on the following month which was March 2024 They never did and I was not aware that my account was in arrears because I thought now that I made arrangements it will be fine. I really think they are not considerate. Can my case get a second opinion?