Insurance ***** and ********** contract taken out in my name

I opened a contract with MTN in 2016 ( Hatfield branch) and took out insurance for the phone. The contract clearly shows that the phone was insured, I am in possession of the documents. The iphone got damaged and I wanted to claim, i was then told that the phone is not insured irregardless of the paperwork that I had as proof. I have tried to escalate the matter and they kept sending me from pillar to post and I have not been assisted to date. I just continued paying for a phone I did not have/use. To make matters worse last year in 2018 a ********** contract was taken out in my name, I have tried to resolve that as well and I was told that the account will be written off at the end of 2018. It's now Jan 2019, I'm looking to buy property and I am being told that i am in arrears with MTN so the bank will not finance me. MTN does not understand the impact they have on people's lives esp the ripple effects that come with having a negative credit score. I loathe the day I walked into that store and took out that contract, they are just a bunch of ********** who just want to take money every month and not deliver on what they commit to. I have got no pleasant story to share about MTN, they are just *******