Homechoice appliances a big no, no

I bought a phone from homechoice in November 2020 and took their insurance (guardrisk), the screen cracked and I submitted a claim in May, they took the phone in for assessment and never came back to me regarding the outcomes of assessment. I called day in and day out but never got satisfactory progress. In July I requested the phone back as I could not stay so long without a phone and it came back unfixed late July. I fixed the phone myself and cancelled their insurance. In August 2021 it gave me problems, then it completely stopped charging. I called HC and they took the phone in for assessment. Then i was informed that it's a factory fault and that I will get a replacement. It's been 3 months and still I have not received any phone but I am paying for it every month as I'm protecting my credit record.