Their insurance is a **** !!!!

I took a fridge at Russels store, the product came with insurance in case of retrenchment or job loss. I was paying my account well every month, until the company I was working for got Liquidated. I informed them via email and by visiting the store. They refused to listen or assist me. Instead they told me I’m liable for the account. I asked them how because I was paying extra for insurance and even my contract with them states that. I filled out a claims form and sent it to them via email, which they rejected with no valid reason. I went to the store again and was given the run around. I told them I don’t have a JOB anymore and how can I pay? Why did they include insurance if they knew they wouldn’t cover my goods. They handed my account over without my consent. Now I’m getting threats from some rude people from ADRS debt collections, saying I must pay 14000 within 48 hours or they will reposes my goods. How come ? Where is my insurance money that I was paying???? They knew what they were doing when they rejected my documents because they wanted to sell this debt to these ***** collectors. I’m going to report this a ********. They refuse to hear me when I told them I’m not working any more and rejected my claims for no reason. Now I’m getting calls from people swearing and shouting at me at any given time. How can I pay that money if I was paying insurance. What is the meaning of insurance. My company was closed without us being informed or given any notice. I did not get any communication from them even a letter of demand! Now they claim I must pay everything. If a consumer is not working they have a right to make an affordable arrangement, which still is not fair for me because I was paying insurance every month. Why are they ****** and I’ve sent communication several times via email they don’t even respond. I’m going to Report then to the NCR this is wrong. And as for ADRS they sent different tracers to call me and they have different stories. One even went to an extreme to say I have never made any payment of my good???!!! I’m going to report this. If the insurance is not real they must pay my insurance money back all of it. The worse store to ever exist and unprofessional call center agents. They don’t respond emails and queries. The staff at the store are just as bad!!!!!! Don’t ever take goods here, you will regret it????????