insurance claim for theft

My phone was ****** in May . I forwarded all relevant required documents to MTN. I am billed monthly by MTN for phone insurance and am now told that I must deal with Mutual and federal as I was previously a customer of Autopage. Yet i renewed my contract with MTN at an MTN branch, . This was way after Autopage was closed. It is 6 weeks and I still have no phone yet MTN has billed me for insurance. I have sent emails .. made calls and no joy. also no one can tell me who i should contact at Mutual. Please help.