***** RIM and Tyre Policy on my MFC account

I have an account with MFC a division on Nedbank for my cars finance. Early last year a company named Innovation-group ( a partner or division of MFC ) contacted me and sold me a RIM and Tyre policy. I accept the policy based on the telephone conversation I had with the Consultant. I claimed a few months after accepting the policy for a tyre and the claim was covered successfully. I claimed again a few moths later again for a tyre and the claim was rejected. The claim was rejected because my tyre was run off according to Innovation and they don't cover tyres when it was damaged because of mechanical faults on the car. The tyre had a puncher and they just refused to pay out. The consultant give me the condition of the policy and the mechanical story was not part of the conditions. ( I have the recordings and it is confirmed) I`ve cancelled the policy and was later informed that I still have to pay for it even if policy is cancelled. I`ve sent a mail to Nedbank (MFC)regarding this matter and I was told that policy was added to my finance term. I informed MFC that this product was not sold to me on this conditions. (Recordings confirm). I refuse to pay my account until this is sorted