Am being short changed

It is appalling how mtn workers and their insurance has treated me with complete disdain. Am a contract customer with insurance. My lg g3 got damaged, I took it to mtn centre in hemingways (east London ). One faisal booked it in for repairs. After 3 weeks, I was notified to pay 330 rand but I told them that am insured. One simnikiwe took charge and told me that she will liase with the insurance people. <br> 2 weeks later ,insurance people requested that I pau 150 rand before the phone is repaired/replaced. I did that on the 7th of Dec. <br> <br> Afterwards I have visited mtn offices numerous times to ascertain the whereabouts of my phones. As I speak it has been 3 months now..iI haven't received my phone.no communication from mtn insurance. .nothing. <br> Yet I pay my monthly installment. Why am I being shortchanged? <br> Is it a crime using mtn? I desperately need some answers.