Company fails at administration and sells people lies.

I bought a phone at Sportscene King Williams Town in March. I selected to have cellphone insurance immediately and filled in all the necessary documents and they sent it away and assured me, that my phone is insured the moment I walked out the store and I only need to pay my monthly premiums. Which I did religously every month. This month my phone was ******. Now Monitor says they never deducted the premiums and for that reason my phone was never insured and I can not claim. I never recieved any statements from Sportscene. Today after all my complaints they suddenly sent me a statement. I feel that this is ***** and they have failed in administration on their part promising me rainbows and sunshine where there was nothing but junk. I was also told in store, that after my first payment I can apply for a credit increase. I did so and was told that I am a new account holder and it is not allowed. I feel like the store is selling alot of lies and I am deeply dissapointed and disheartened by the *****ulent service they provide.