Retrenchment Insurance is a joke

FNB personal loans have declined my application for my personal loans insurance to be activated , due to retrenchment i lost my job in September 2014 . FNB say they have declined my Insurance claim due to the fact that i was retrenched within a 3 month window called a Waiting period , the fact that i did not apply for the retrenchment insurance until December means i have been paying for my Personal loan as well as my Insurance Fee each month from July 2014 ( which was when i had my personal loan increased until December 2014 , the only reason i needed to apply for the retrench assist was due to the fact that the retrenchment package i was given was not sufficient to pay for more than 4 months worth of Bills ( including my personal loan ) it has taken FNB over a month and a half just to get back to me regarding my request in the beginning of December . so i have been paying my Personal loan insurance for absolutely no reason. i am being treated as if i was retrenched on purpose and that i knew it was going to happen 3 months before i increased my personal loan amount , FNB will tell you the Retrench assist is for you in case you get retrenched and When it happens they decline you.