FNB non service (debt cover)

Previously had a debt cover for credit card with paid out in 2017. In 2018 one of the sales consultant sold the debt cover to me. Had explained to him that i had the cover before and was paid. He told me that i can take up the cover for the same condition (disability) its after a year of paid out. I had put claim this year(2020); a lady called me around March/April enquiring about the claim and promised to listen ti the call and revert back to me. Instead of calling back i got an email of claim rejection on the 2nd of May. I responded to the mail i got an automatic response and no answer to the complain. On the 12th of May i had sent a second complain requesting a response; a second automatic response followed acknowledging received email. To date no one came back to me regarning this matter. There are 2 telephonic conversations to be heard; the salesman and the lady that called after receiving the claim this year. How many people have been sold the debt cover like me? This matter frustrates me. The worse part is the messages of non pament of the policy and double debit to be processed. Fnb life continues putting through the debit for the premium. Why??????