reap off

I bought a phone, I took an insurance with them when my I claimed for a lost phone, I was declined. In Jan I go to a store to pay an account they still bill me for there insurance ' November and december month ' but there phone was not with me and I called the customer service in store whome they sad that they fix there matter. But no one calls me or tell me what happened but what they now is to send me sms for payments and it took full month with no response, im in a store as we speak but it seems like I'm fighting a loosing battle or might as well take them to coury.