****** phone claim

On the 15-02-2015 I got ****** and I phoned FNB on the 16-02-15 since I insured it with them I spoke with Jaco he sent me an email with the forms and an email to send the forms to on the 17-02-2015. I did that, I waited for few days there as no response and i spoke to Emelda to check wether they got my claim forms. and she confirmed that she got them she will send my claim to Brycen. I decided to call Brycen to check whether he got my forms. On the 19-02-15 I got an email from Brycen explaining the processes that will be followed and giving me my claim no and he gave me 3 devices to choose from. I responded the same day telling him that im not interested in any of the devices so i will opt for settlement. He then said that he must call CIB to ask them to provide him with settlement amount, i waited for more 3 days. On the 02-03-2015 i got an email from jaco with my settlement amounts. My insured amount is 6199.00 and its been reduced to 4120.00-access(500)=3620 and i was owing the bank 1290.00 now it has increased to 2129.00,3***=1491.00 so thats the amount im going to get.I am really fed-up and disappointed and this is totally un acceptable and im not going to the settlement