Pathetic and ********* Customer Service

I was in the process of taking out a Car Insurance with Momentum when the Agent read the terms and conditions of the policy He stated that if my Vehicle does not have a Tracker installed within 5 days , my claims on the policy will not be considered.He also went on to say that He will assist in contact the Tracking Company to assist with the activation of this device.5 days passed by there was no response I then contacted my broker who in return contacted Momentum I was told that I am not covered and I indicated that I will need to arrange my tracker first before the policy takes affect and therefore I will not be making any payments as yet until i have the tracker activated.I was also told that Momentum does not assist in getting a tracker activated I must do it myself .I then told the agent to hold on , on any debit orders until I sort out my tracker , the policy must not be activated.I was shocked to get emails that the payments are not going through as far as I am concerned I had no policy with Momentum because I was told I am not covered and I told them to hold on until I get my tracker sorted out. I recently learnt that Momentum has listed me on ITC as my account is in arrears.I spoke to them today again , they were going to send me a letter to clear my name on ITC instead they sent me a letter that is stating that I am in arrears.How are you in arrears for a service you never received?That is a total rip-off .Momentum is out there to rip people off .I am very much unhappy about this service .Does Momentum even have ethics ?I am disgusted!