Frustrated and don't know who to turn to.

I took warranty policy with Innovations group( unity). Took my car for repairs. Authorization was granted to continue with repairs to only cover a certain amount. The dealer let me know the portion that I will have to pay. Ten days later when the car is ready to collect. I am told the money has to reflect first before my car can be released. The dealer contact person told me he called innovations group and after various attempts of being disconnected, he got through and was told that the dealer must release the car and I should drive it and only when I'm happy they will then pay. I have suffered for almost 10 days without a car and when it's finally ready to collect its another struggle. Frustated as I am I have no other choice but to get a loan to pay for my car because the dealer will not release it until the payment is made. I'm am begging innovations to do the right thing.