Bad Customer Service. Unhappy.

Insured my Galaxy S21 Ultra with MTN. They use Guardrisk. Worst claim service. Claimed. Paid excess. Phone come back not fixed. Sent it back again. Came back repaired but with another problem. Sent it back. Came back not repaired. Sent it back again. The phone was deemed beyond repair as a result of that problem. After 4 months of poor service. Now they wanted me to pay replacement excess. Premiums have been billed on time every month. I am not paying the excess. No response even.

Really disappointed.