Bad service

I had a claim in january after my phone was ****** (samsung note 9) for R15 000, when i made a claim i nolonher wanted note 9 ,as far as i know sonce i took a smaller phone they were suppose to pay me the value that i loss.but no i took a phone for R6100, my question is where is my change.

2 they just called me now to tell me they didnt get the premium om the 26, i told them now im only getting the money on the 7th of every month,they say they done debit on the 7th, fine i ask for their banking details so i can do an EFT on the 7th they refuse.since they cant take the mo ey they should be flexible for us .my question is when they debit the money from my account isnt going to their account or it comes from my bank to their cupboards.since they are refusing with it .and i told them there wont be anymomey in my account anyday except the 7th and they must not debit my account on any day, i dont want unpaids .