NEVER TAKE WARRANTY PLAN WITH MFC/INNOVATION GROUP

In 2015 December I took out a warranty plan with MFC(Innovation Group) my car had a dealership warranty plan that expired last year in march 2018, last year 2018 December I had a car breakdown I contact MFC and they confirmed that my warranty is active as I never missed any premium, the VW Dealership contacted Innovation group before they can start with any repairs and Innovation group sent their assessor. after a week I received a rejection letter from Innovation with the assessor report with findings. Innovation group rejected my claim because they are blaming me for the breakdown. I called MPHO SEABELO from Innovation group and explained to her that I didn't understand why Innovation Group is blaming me for the car breakdown, she contacted the assessor then we were on a conference call when the assessor confirmed that there is nothing to blame the Driver/vehicle owner about, then Mpho promised me she will have to check the matter and take it up with her seniors, then she will get back to me, after 2 Days Mpho Seabelo called me, telling me that theres nothing that innovation group will assist me with further saying that the rejection letter wont change. MPHO responded saying that i must contact office of ombudsman for repairs.