*********** Tim absolutely no help

My Samsung s4 phone was insured and was insured in July 2015.MTN wants me to pay in R1500 for the first claim and this is apparently incorrect according to Sandton Sun and Morningside MTN consultants.First claim is normally R300 access and not R1500.The lady doing insurance claims called Ntswaki at MTN is a learner and never answers calls or takes messages to respond to.Tim rep**** to my last hellopeter complaint with a smokescreen and refused to reply with answers.This is a disgrace of customer care.My insurance claim expires at end of March and I lose due to MTN red tape and staff incompetence What must I do.I very unhappy with MTN incompetence and anti social behaviour.Please no more smokescreen Tim replies as that chap is useless to say the least.I want a cash refund and story over.no more lies and long stories anymore.***