Mtn Queenstown Complaint

I have had the absolute worst service from Mtn since I upgraded my contract in May 2020. Firstly, my debit order has never been updated I am still paying under R200 for a contract which should cost over R300p/m - despite having reported this to customer care twice- I keep being advised that the consultants system says nothing needs to be changed so, "sorry mam, I cannot assist" is basically the go to response. When this contract ends, on the current monthly amount mtn is charging me, I will have only paid half of this phones value. Secondly, my contract was supposed to come with an increased data package and increased airtime - this never occured. Thirdly, the day my contract was taken out, I explicitly asked for the phone to be insured ( as the front and back of the phone are made entirely of glass) and I was advised they could add it for a small monthly fee. Well, my phone was never insured, I have now spent over a week fighting to have my phone added to the insurance, I have had to pay the amount which I was backbilled ( which was due to mtn's own mistake) all at once. I go to my branch this Saturday only to be informed that they are not registered to do insurance claims, they don't know when the registration will go through, but they can keep my phone until then. Indefinitely, without any form of a courtesy phone. So I contacted the insurance line and was advised that I can arrange for the phone to be collected, but surprise surprise, mtn has Never provided me with the terms and conditions for the insurance, so I am expected to pay an access fee that I didn't even know was applicable. So in a nutshell, I am running after mtn trying to pay THEM correctly and no one can assist me, trying to have my contract fixed and trying to have my phone screen fixed but receiving absolutely useless service with no will to assist me.