billing and accounts

I am sick and tired of mtn and their insurance how they treat us especially when they dealing with our complains or queries. I logged a query few months back about the insurance that I cancelled and they didn't cancel it which they continue billing me but it was sorted I even received the refund which is was cool. So I didn't pay on the month June cause I was waiting for my query to be sorted which it was sorted on the 7th June then I paid my account but I didn't pay the amount(R609) that I used to pay cause now my insurance was cancelled which it means the amount(R122) of the insurance was supposed to be excluded on my bill but they didn't do that instance they blocked my account then I called and asked why they said it was on arrears I explained the situation to the mtn agent she referred me to pinnacle insurance they said mtn was supposed to update on their site cause they have nothing to do with that, so even now my account its hasn't been updated and I am ****ed cause its affecting my credit score that my account is on arrears but which is not. I was paying R609(including insurance R122) every month but after I cancelled my insurance I am supposed to be paying R487(excluding insurance) .I need this to be sorted before I pay my next instalment urgent, sometimes I find it so difficult to understand why they always treating their clients so bad comparing to the other service providers where they take their clients complains serious and their agent they have attitude as well they forgetting that without us they have no jobs