No services or reply

My phone got ****** in the beginning of the month. Since if had no luck with Mtn and the services provided. Ive emailed and contacted them countless time with no luck. I did an upgrade in the beginning of the year and asked for insurance to be added on the contract. It wasnt done properly due to information not received from Nashua mobile (which closed down in October 2014) or for some or other reason. Now my problem is WHATS NEXT as they deny insurance being added on the account???? <br> <br> Please can some one advise me on what to do regarding the lack of service and response from MTN.