FNB how can we NOT help yo cancel everything!

I ordered a iphone 6plus from fnb's smart device in December which I only received in January due to the incompetency between fnb and their courier services. After requesting to cancel my application I received the device. I stated that the temperature of the device it too hot to both FNB and CELL C I have yet to hear from the technician's they apart informed to contact me. My phone was ****** last week I contacted fnb to my surprise to be told im not insured after applying for insurance and receiving an sms. The CIB manager Cindy asked if I can read to her what the sms stated I told her I can't cause my phone is ****** and they should have it on record that I received that sms she then laughed. Now im being told by Shaun Raynor from FNB that I am insured but I need to pay +/-750 for the times I didn't pay insurance as they weren't deducting that from my account due to the system errors they occured. Which I would think take place after 24-48hours and I've had this contract for 4months. Again lack of communication with their partners! I was also told that I need to call CIB to ensure they deducted the money....which is as good as saying I need to contact FNB to ensure the deducted