Momentum - A widow's worst nightmare!

My hubby passed on last year, I have letters of demands from my childrens' schools every week I am on the phone with Momentum, from one system error to the next, There is no sense of urgency from staff, from IT systems that keep failing, absolutely no transparency on the process. You constantly have to be on the phone to even get a glimpse of what is going on. I have escalated my query and it hit a brick wall, my biggest fear is knowing that I am also insured with Momentum and should something happen to me my children will starve to death!