Bad attitudes and false contracys

This is my 3rd review. Still waiting for Home Choice to contact me and resolve my case. I had an acc on which i took retrenchment /disability insurance. I paid it every month. When i got problems i phoned and they gave me a list of documents to fax. I faxed it twice. Then they told me they cant receive faxes i must email. So i did. Then i got a call from a rude lady and she said there is no thing like insurance. So why did i have to pay extra for insurance if they dont use it. Now they are threatening me with lawyers. They dont give you a chance to talk. They are just damn rude.