cell phone contract being handed over for none payment after I was told I had an insurance I

MTN took advantage of me I took cell phone contracts with them then one of the contracts I didn't insure it but the other one I insured it and when I lost the phone I did everything by the book but I was told that it's not insured so I stopped paying the account which they handed it over to the saya debt recoveries which i then settled it so the worst past comes after settling it because I can no longer do the sim swap of both the lost number after they told me a long story than helping me