MTN Sucks

I have had nothing but bad service and experiences with MTN. The most recent incident is being charged for insurance which I am unaware of. Last month I was charged for 2 insurance premiums and this month I was charged again. ***** seems to be a more regular occurrence when it comes to MTN. Data is expensive and seems to just disappear. I would like for MTN to go and listen to my calls. I need a refund on the insurance that I have not app**** for as well as an apology from MTN. I have had it with the pathetic service received.