Poor client care

MTN and MTNinsurance have given me the worst service. I had a contract with MTN for 3 years with no issues. My contract ended, I cancelled it as per agreement also cancelled my MTNinsurance, this happened on the 15th of August 2025. Same day of cancellation, I was advised to take insurance for the phone separately as it is now prepaid. I cancelled the insurance under contract and opened a new one under prepaid. My insurance did not go through for 2 executive months due to the fact that I forgot to fill in the bank forms for the debit order and so the insurance got cancelled. I accepted this as this was negligence on my part. However, now this is the concerning part fast forward to January 2026. I receive a statement stating that I owe MTN a lump sum of money, I call to enquire what its for they say they will escalate the query. I later received an email stating I owe insurance. According to my knowledge my insurance was cancelled so I ask what the money is for and I don't receive a straight forward answer. We are in June and I am being transferred from pillar to post as MTN store says I owe insurance but when I call the insurance department they are saying its MTN. I can't get a contract because this money keeps showing as a debt but at the same time no one is saying what the money is for. My invoice received shows insurance but insurance says its not them because they can't explain to me where it's coming from. I am extremely disappointed and furious because this has wasted my time calling almost everyday and my money as I use petrol to go to MTN stores to get this sorted.