Dstv multichoice has no loyalty

Dstv multichoice contacted me with a life cover proposal, I accepted at that time under the advice that it is separate from my dstv account and won't affect my subscription, also the agent said if I stop paying then the cover will fall away but won't affect my dstv account. Well it did, I didn't pay the life cover and now my dstv is cut off and I'm in arears. Also Blake and associates contacted me so my account is now handed over. How can a pay as you go account be handed to collections, it is not debt or credit account. I pay monthly and use monthly. Dstv I contacted you with no results yet. I've been a customer for 12 years with no issues and now this third party life insurance **** gave me a bad name and bad feelings towards your business. Fix this and cancel my life cover and put my dstv back on again.