FNB life claims insurance

I have a personal loan with Fnb and Nedbank. My bank is Fnb and I have be retrenched now for 10 months now the insurance on both loan should cover my installments for 12 months. Nedbank has been doing that since always on time to pay my installments but Fnb which is the bank I use don’t do it. They have not pay for two months now setting my credit score to be bad. I called them daily and they response is it will be done the next day. Nedbank has been keeping your promise ever since Without me calling them. Fnb just like to take customers money and do not do what you’re supposed to do. My credit score now will be on the red because of FNB and the personal loan is with them, they will still be the one to put my name on the credit bureau, I don’t understand this. My personal loan has been paid on time since before my retrenchment now Fnb now is putting me in the red and there’s insurance on the loan and FNB life claims insurance is just playing with my life. FNB is not a good bank at all.