Here it goes again - MiWay!!!

I have received feedback shortly after I logged the complaint from Lesego who called me and advised that they listened to my call and that I actually did request for a credit shortfall cover. so my understanding was according to the below information I got on the net, my car would be covered in full. http://www.insurancechat.co.za/wp-content/uploads/2014/09/insurance.jpg Should an insured event occur, such as a theft or an accident that writes off the vehicle, your insurer will cover it for the replacement value – which is now less than the purchase price. Credit shortfall insurance, also called top-up or gap insurance, is designed to cover this gap so you don’t have debt on a vehicle you no longer own. It is advisable to add this optional extra to your policy particularly with new cars, but also on any vehicle purchase where a credit shortfall might arise. For example, purchasers of used cars where the price is 90% paid by finance should consider credit shortfall insurance. Scenario: Anne buys a car for R200 000 finances it through Wesbank. She insures the car with MiWay for its retail value and takes credit shortfall insurance as an optional add-on. The car is ****** months later when the retail value is R150 000. Anne still owes Wesbank R180 000. The shortfall amount is R30 000, which is covered by the credit shortfall add on. If she did not take credit shortfall cover, Anne would have had to cover this amount from her own pocket. This is what I expected when I took up the cover but I am getting feedback that I am required to pay about R20k over and above because there are some services I took up on the vehicle that the shortfall do not cover. When I took up the Insurance I did request that all is covered on the vehicle. Till this day I am still waiting for MY CALL with your representative!