MTN Insurance pathetic service

I have had the most harrowing and traumatic experience with MTN Insurance. In December last year my phone had a problem with the speaker. I logged a claim and they collected the phone, they gave me a loan phone. I paid my excess and in the beginning of the new year they delivered my handset. <br> <br> Less than a week later the handset screen was randomly switching off, and the phone screen would go black. I logged another claim and I called in about the problem. I was informed that the handset I was given was an exchanged unite ( i.e. It was someone else handset that was repaired). They collected that broken handset and I was told they don't have a loan phone, that they would give me a loan phone a week later. A week passed an no loan phone. It's been a month since the loan phone left. I have not received a loan phone which is in the contract. Nor has anyone brought my phone. I later discovered that the exchange phone they gave me was a 16gb iPhone while I am paying for 32 go handset. I have paid 2 monthly subscriptions for a phone I song have or a phone I am not using. MTN is ********** it is no wonder that west African countries are fining them huge penalties. I can relate