CELLPHONE REPAIRS- RETURN JOB

I sent a cell phone for a repairs last December 2014 and to my dismay I have never received any joy with fone choice, within the 24 months term that I have have been with them I only possessed the phone half that time. I paid for the phone that I never used. Either the phone freezes or the screen broken. This time around Since December I have been making enquiries myself as they seem not to care much and what they did was to tell me through an email that the insurance wont be covering the damages and or repairs to my phone. So perplexed that as I am in the last month of this contract it seems that I am now left with a useless and broken device despite paying them constantly their instalments. They do not care about anybody except selling troublesome phones for which they do not want to take responsibility and the consumer is left helpless. they keep on fixing instead of replacing even if they see that their products are up to no standard. They are only interested in themselves getting money and ******* people. I would like you to help me out of this mess I ve put myself in , as I ve never ever enjoyed what I was paying for right from day 1. <br>