Worst turnaround time!

MTN insurance was previously underwritten by Pinnacle Marketing, my phone repair got approved within 2-3 days and they fetched my phone the very next day. The new underwriters Guardrisk have been assessing my claim 857949 for 3 weeks! with no feedback, I assume based on the other complaints here I'll wait another 3 months just to get my phone fixed and returned. The worst turn around time I've ever seen, all the while they want payment for their service?!?! what service!!