Poor service from FNB Life Claims

This is my second report about fnb life claims,im not getting any help from them,as i hv indicated on my first report that i hv sent my claim application on the 30th of July already but up to now i have been sent from pillar to post but no one is assisting me.This is about the policy for my credit card,I'm retrenched and hv a policy to cover for my credit card debt but fnb life is not prepared to help me.i spend lot of money on airtime contacting them but even if the phone cuts off they will not call you back.On the other side fnb credit card department is threatening to take legal actions against me for failing to pay my monthy instalments...this is frustrating.