MTN and Telkom Bad Services

I have a 2yr phone contract with MTN, on the 11th month i've lost my phone with a telkom sim card in it. My phone was insured and i went to MTN to block the phone, I was told they cannot assist as they cannot pick it up on the system, I was told to go to Telkom since it was their SIM Card in the phone when it got lost. Telkom phoned Head Offices and I spoke to a consultant and I was promised that they will send me an ITC number in the next 24hrs. 24hrs passed and again 48hrs passed still nothing then I went there again and I was given a number to call, I called the number and I had to give them all details over again and waited another 24hrs and there was nothing still in the next 48hrs. I had to call again to find out there was nothing logged on their system regarding my query. Since October 2022 I'm still waiting for the ITC number. I was even told by MTN I'm not getting another phone even thou it was insured because of the SIM card that was not inside the phone when I lost it. They are still deducting money after all the troubles I went to... I was at Telkom again yesterday and I was told the systems are offline... I am tired. Please help...