MTN where to start. *****? Intentional deception? *****ing?

MTN where to start. *****? Intentional deception? *****ing? Having my phone ****** is one thing... When my insurance company cannot give me a replacement loan phone which I PAY for EVERY MONTH as per my legally binding contract is another thing. Not only do i pay for the insurance but i PAY EVERY MONTH for a LOAN PHONE incase i find my self in this position. You MTN advise me that you not longer give out loan phones and in the same breath advise me that my replacement phone will take two weeks to be replaced. In order for this matter to be settled i see two options, Option 1: I want a loan phone until my replacement phone is ready for collection or Option 2: i want every single insurance premium back since inception. Either or will suffice. I look forward to hearing from you very soon.