finrite Phone Claim

I have made a claim from finrite for Huawei P Smart on the 28 August 2019,ever since then i haven't received my phone,been calling finrite insurance each and everyday but i'm getting lot of stories about the claim i paid the excess send them ITC number and the Case number but still NO PHONE the only thing that they are telling me is that my claim need to be authorized and they don't have p smart on stock told them to send me a list of the phones they have on stock but still its been 2 months now without a phone and i'm thinking of taking legal action on Finrite so they can give me my phone cause i cannot buy a new phone while i'm paying insurance each and every month.

so today i called them again and they are telling me that i need to pay an extra R300 cause the excess that i paid 2 months back it was not the right amount the system regenerated the wrong amount and who is fault is that they wont tell you.

This people they don't communicate with me,even when i send emails they don't reply and when i call i will be on hold for 5 minutes and still hold for another 5 minutes remember i'm using my airtime that time .

i'm not happy at all with finrite they services is so poor very poor