UNACCEPTABLE SERVICE

I still havent heard anything from MTN.. no feedback, just a hello peter response last week saying someone will respond and help! What a *******, i demand a refund for three months as well as my insurance premiums since last year December<br> I pay almost R600p/m on my MTN contract including insurance. I lost my phone a couple of months ago and struggled to make a claim due to the strike but emailled my claim forms on 2/7/2015. I received acknowldgement and the turn around time was 7working days till today, i keep calling and MTN says they are still waiting for the underwriterm i spoke mto Ntombi at MTN Maponya mall and she was very helpful but also got the same response from Insurance. I wanted to cancel mycontract on the 29th but she advised me not to as it will affect my claim. I dont have a phone or sim and im still paying, now i will be billed again for what?I want this sorted and my money back for the past two months i have made payments