FNB Policy Payments Not Getting Done

I was one of the unfortunate workers that got retrenchment last year June. I took out insurance on my overdraft and my credit card September 2019. After applying for my policy's to start paying out on my accounts I was told that my credit-card was not covered for retrenchment or lost of income. This was incorrect as both of them was taken out on the same day. I have ask customer service to send me the recording where I specifically asked if both was covered for retrenchment or for loss of income, and I was told it is covered. Im still waiting for that recording. There was a few months that they had a backlog as I was told and that the accounts will be paid. There was 3 months payments done on my overdraft and after that it stopped. No payments was done to my credit-card. My check-account is in a minus because FNB cancelled my overdraft and put a hold on my account. I do get at least five calls a day regarding my accounts that was behind on payment. I keep on asking them if the problem got resolved and I always get the same answer that they can see that there is a note on the computer revering to the problem. I pay bank fees every month and I cant use my account. Im staring at my new work end of next month. I need FNB to resolve this problem. This is ongoing for more than eight months and the policy covers for nine months. Can someone please sort out my account so I can start using it again?