STILL NO CELLPHONE

I lost my Tab2 Samsung phone of which its insured with FINRITE for R6350,(REF NO:CAL065994) I reported the matter 06/05/15 and until today I still havent received a new phone.On 12/05/15 Bronnica adv me she will get back to me.on 12/05/15 Ipoke to Maepa who adv the'll opt for giving me cash payout so i can buy the cellphone myself - and gave me a 72hr turn & turn around time, still No PHONE, NO CASH.26/05/15.Benny kept on hold for long and hung up on me.spoke to Bronica same day she adv will get back to me with another opt.today 29/05/15 Leilani also advises they are out of stock on cellphones & the'll get back to me.<br> <br> NO PHONE- NO CASH why did it take this company forever to tell me they have problems with stock running out.<br> APART FROM THAT IS THIS COMPANY LEGAL OR ARE THEY A ********** COMPANY????<br> <br> AND WHY DO THEY STILL TAKE MONTHLY PREMIUM IF I DONT HAVE A PHONE???<br> I WANT MY MONEY BACK!! MY PHONE BACK!! I WANT TO CANCEL THIS INSURANCE IF THEY ARE LEGIT!!<br> <br> WHY WASNT I TOLD NOT TO PAY ACCESS AMOUNT IF THE KNEW THE DONT HAVE STOCK<br> <br> I WANT MY R6350 NOW!!!<br> <br> <br> <br> <br>