No assistance with Claim

I was retrenched as a result of COVID-19. Knowing I have credit insurance on my personal loan, I submitted a claim and sent every document they required. I received an SMS that my FNB Credit Life policy is in queue for assessment. Still every month after my claim thy still deducted banking fees from my account. On August 2 I received an SMS that no premium was received for Dept Protection Plan and that my plan will end on next missed premium On August 3 I received an SMS that my acc is areas and further action has commenced. This Is very shocking as I had paid for my dep plan every month when I was working now thy don’t want to assets with the claim and they want to take legal action against me and they are waiting for my protection plan to be stopped as a result of not being able to pay it.