Disgusting Service

I took out a contract with Telkom end of September 2019, experienced the following : 1. No invoice or communication of how much the 1st debit order would be. 2. Consultant added insurance where the application I signed did not opt for insurance and I also told the consultant not to add it , decided to keep it though since the 1sr debit order was inclusive of it. 3. Till to date there is NO COPY OF MY CONTRACT NOR WAS I EVER TOLD THE T&C when I took out the contract. February my phone got ****** in town, I went through the process of opening up a case then sent through the relevant documents to Finrite (DID NOT EVEN KNOW MY INSURANCE WAS WITH THAT PROVIDER), my documents were sent on the 23rd of April yet I only got called by a consultant to log my claim on the 18th of March, WHAT TYPE OF CUSTOMER SERVICE AM I PAYING FOR??? and if it had not been for me asking my friend who works at Finrite to escalate the matter I would never have gotten that call. The same friend is the one who had to escalate my case further as months went by and till to date my claim still has not gotten processed. On the 27th of May I received an sms requesting that I pay an access fee of R1039.90, I called in on the 28th of May disputing it and spoke to a Team leader by the name of Bernice Seede who said she would escalate and revert to me within 7 working days, it has been 2 weeks now and I still have not heard from her called in this morning and was asked to leave my details for the 100th time but that is a waste of time as she still has not bothered to call nor give feedback from Underwriters. I am from the insurance industry as well therefore know about a consumers right, YOU CAN'T TELL ME ABOOUT A PENALTY FEE THAT IS STATED INA CONTRACT THAT I DO NOT KNOW ABOUT those are things that needed to be disclosed when I took out the contract. Next step towards this is taking it up with ICASA!!!!!!!!!!!!!!!!!!!!!