Lack of service from Game & Hollard

I bought a cellphone Samsung A10 from Game Springs on 23/11/2019. The saleslady offered us Hollard insurance and we accepted to take out the insurance that covered screen damage etc. About two weeks later I accidentely dropped the phone from my lap resulting in the screen being cracked. My husband and I went to Game Springs to ask them what we must do. They referred us to contact Hollard when they opened in January 2020 as it was during the Festive season. We then phoned them. When you phone the toll free number, Finrite administrators answer the phone. I reported the cracked screen. They have sent a courier to collect the phone. According to them it will only take 5 working days ti fix the screen. After 1 week I contacted them and was informed that they are waiting for my excess amount of R600. I paid that immediately. My phone was delivered after one week with the phone's screen replaced. I then battled to get network and internet coverage with my phone. I went to Cell C and even did a sim swop on both my numbers. (The avove mentioned phone is a dual sim phone). After 3 days I phoned Finrite Administrators and battled about 3 days to get hold of them; they just don't aswer their phones. I spoke to a lady with the name Tumi and she said we must bring the phone back. We drove all the way to Roodepoort to take the phone back. They agreed that it is a software problem because of the replacement of the screen. I left the phone with them and was informed thay the courier will deliver the phone within the next 5 days. 5 days later they deliver the phone and absolutely nothing was done. I still had the same issues - no network or internet. We went back to Game because they sold the insurance to us. They refused to take it back or fix the problem becauce somebody else already worked on it. We phoned Game customer care because they sold the insurance to us in their store in Springs. The lady at Game Springs phoned us and said they wanted to see us. We arrived and they said they can take it in for assesment and will take another 21 days. In the meantime we also try to phone Finrite administrators and could not get hold of them on their phones. They just don't answer or nobody can help us at their company. After two months now I still don't have the use of my phone. It was just the screen that was cracked and now they damaged the software on the phone. It is a business phone and I am loosing business. Nor Game Springs or Finrite administrators (Hollard insurance) are able to assist. What am I surposed to do now. I am still paying the insurance from Hollard and paid R600 excess, only to get back a new phone with the screen being replaced but it could not be used - no network or internet access.