Mtn My Worst Nightmare

Yet again I am having serious issues with MTN. I have been a customer with MTN from 2013 and have had an insurance with them ever since that time as one can imagine how many phones I have lost since then. My challenge with MTN Insurance currently is that I am recently told that my insurance has been declined because I lost my phone in a public domain my argument with MTN Insurance is that I was never told that should I loose my phone in a public domain i won't be given a phone and it is not the 1st time I loose my phone in a "public domain "my 1st phone that i had, i had forgotten it at my works bathrooms; my other phone I had forgotten it in a shop on the till and both times I was given a phone now all of a sudden I'm told of a public domain. The one thing that irritated me is that the consultant that was helping me says to me just because I got away with it the 1st time does not mean it will continue to happen that really boiled my blood. I then decided to call the insurance ombudsman who advices me to get a copy of my insurance contract with MTN. I then called mtn to get the required document I was told that the new mtn insurance administration does not have access to them,so I then went MTN 14th avenue where I initially signed my insurance documents when I got there I am told that the insurance department is no longer there and that they don't have the initial insurance contract that I signed. So they referred me to a guy called Kevin who assist with walk in customer complains who was then suppose to have called me. This was on Monday 21/08/17 ever since then I've not even received as much as an acknowledgment call from him. So today I decided to reverse my debit order today you will see how fast they react to block my services and their numerous sms's to coerce me to pay for non service.