Bad Service

I have a pro owned warranty that is currently useless. I logged a claim for a faulty transmission that is considered valid and covered but cannot be processed as the workshop's dealer code was declined. Innovation however gives me the option to pay R29000 to allow the dealer to fix the transmission and then I can claim it back. I have stated numerous time that I don't have the money to pay and claim back then they gave me the second option. I can have the car moved to a new dealer from their list but I have to pay the current workshop for the work currently performed and claim back once again. Where should I now get this money in order to get my car fixed through a warranty that was paid when I bought the car. The service is very pathethic and I wish I never took out this warranty.