Bad service both from MFC and Innovation

I purchased my car with MFC in 2014, they advised me to take a value add service with Innovation group that covers warranty and service which I did and it was included in my monthly instalment which I did, the 22nd of December driving to Colesburg I heard a sound on the car I immediately stopped, called MIWAY to come tow which they did to the nearest town and left me by mechanic who said I need a new gear box which will cost 7500, which I did have I then asked my brother to come and pull me back to JHB and they did, I then contacted Innovation group to log a claim which I did, took my car to Sabre motors which they said it's gear box, in the 7th of Jan Innovation declined or rejected my claim stating that its neglegency on my side as I drove the car with the sound and also with low oil which its impossible as the incident happened on the 22nd I stopped immediately and never had car issues and never saw any leakage on the oil, I contacted MFC on the 8th to assist me with this matter, which they failed to help as their customer, they sent me the same rejection that was sent by innovation group the matter was not handled in any importance