Insurance Claim

I opened an account with House and Home and took credit protection plan with it. All I was told at opening the account was that it was compulsory to take it. I got retrenched 5 months after I had opened the account. I went into the store to complete claim forms and no one told me it was not possible given the time I had the account for. A month later a lady from accounts called me because I had cancelled the debit order and she was calling to find out why that was done. I told her I put a claim through, she said it was never received, asked who I put the claim with then she said she will call the branch and then get back to me, which she never did (get back to me). I assumed everything was fine. The claim was done on the 1st week Feb. No one called me after that asking for payment. Yesterday 26th of May 2015, I received a call from *** and the lady told me my account is in arrears and I need to settle the arrears or else she will hand over my account. She said my claim was not approved. It took them over 3 months to tell me the claim was not approved. I told the lady that I will be paying what my instalments were she started screaming and told me she will hand me over.