Finrite’s breach of contract

I can’t believe that a claim I logged in may for my phone is still ongoing. My business has stalled and I’ve been paying my premiums. They had me pay excess because my phone was overheating, only for them to return the same iPhone with a repaired screen, of which I never asked for, but now I’m told they won’t do another assessment or even fix the problem I requested for resolution instead I’m told I have to pay again because they found water damage. My complaint with them is a month old and I still have no resolution

I’m seriously considering the ombudsman for this, I can’t be exploited like this