It is very bad i hav...

It is very bad i have been paying MTN for over 2 years without missing a payment and when i took out a claim i payed more premiums for low excess now after claiming im told i have to pay R2100 and i don't understand why cause the contract that i have says R300 excess and im told this after i called in so many times the consultants just hang up the phone which i find it very rude.