billing and insurance

my name is nomsa nkabinde id no ***087 a loyal mtn client for more than 10 years on contract line number or account A*** cell -*** i have 8 lines with MTN out out 8 lines i have series issue 1 line .the number is *** im not happy about how the billing system change from an amount R200 sim only for data 40 gig contract and the insurance cover amount of R307.67 for a device apple iphone 11 amount of R799 monthly installment from 2020/02/25 .that was an aggreement things change in August 2021 when the insurance consultant call me to inform me that the insurance for the device is not active due to the billing number ticket number 277615 proof of payment was sent and taxinvoice to mtn from that day forward the debited more than the actual amount which was R5730.20 to R7886.85 every month including insurance not explanation not refund was given after a lay complain .the second complain the same device is not working the insurance refuse to fix the device . they say the account is active but not premiums receive since the device was bought which its not making sense to me after they increase my monthly installment with the R2156.65 .ticket number 728758# all the instalment are paid in debit no debit order was skipped still confuse about the increase and still not happy about the insurance feedback . my Question is where is money going . the relation started 2007 and its sad how they will treat me like this very disapointed.