Real people Home Loan Improvement and their credit life insurance *****ing my money

I app**** for home loan in store (Builders warehouse Kempton Park)in 2020 February. I was approved with R27000, I took R18000, I was told that I can come back for the remaining amount. I went back to take R4000, which brought my loan amount to R22000. Same year 2021, I went back to ask for the remaining R5000. They told me that I am not a government employee they won't give it to me. I ask them to fix my account that I borrowed R22000 since they refused to give that balance of R22000, we agreed to each other. Still now the account is not rectified /Fixed.

During the application they forced me to take credit life insurance to cover for my premiums incase of retrenchment, death, salary cut or dismissals ete. From July-September 2020 I was on salary lay-off because I was not working due to COVID 19 restrictions. I was receiving 25% of my salary. I contacted home loan improvement call Centre to apply for Credit insurance that they force me to join to cover my premiums. I submitted everything and they confirmed that they received all necessary documents. On September 2020 I phone them to let them know that I am back and they can collect their premium from October 2020. I also asked if their credit life insurance paid the premiums that I have app****, they confirmed that is paid. Earlier January 2021, I requested my statement then I found that there's no payments made by their insurance. I follow up with them they told me that everything is sent to the claim department. Everything week I do follow up with them and they say they will comeback to me and they not. When I send an email they don't bored their self to reply. They are debating my money every month, what money for.... I want all my premiums to be paid back for the credit life insurance or else they pay the premium that the suppose to pay..