debtguides messed up on my credit life

I was with debtguides but as i was classified as permanently disabled i contacted the banking ombudsman for insurance regarding this to cancel the loan but debtguides somehow did not inform me that the credit life was not running on the loan at the time when i am told that absa will not run a loan withouth a life policy on it so someone in debtguides did not do their job properly as i was told that someone "cancelled" the policy and it certainly was not me as i have to do it in writing and i never cancelled it, when it was transferred from the other debt reviewers that policy was still running as they told me that absa had upped the monthly costs to include that policy and debt guides should have been told the same thing so i am not to blame here and wont take the blame for this