Worst service ever

I upgraded in December to a Samusung S9 note. I use to have a Huwaei which was under insurance. I changed my payment method with MTN to EFT thus they were responsibile to pay the insurance money over to Pinnacle Insurance which is their service provider. Now I have the following situation: 1. MTN suspended my account because I paid them R1100.00 - whicj according to them is R209.00 short 2. Pinnacle owes me a refund of R175.00 which they refuse to pay into my account and MTN could not be bothered because I am paying via EFT 3. We are moving in circles but I am not getting anywhere. I just keep on getting threatening SMS's from MTN for the R209.00 4. If I do my sums and MYN gets the refund of R175.00, i owe them R34.00 which could have been sorted a long time ago 5. I have been a customer of MTN for over 20 years. This is the service I get. PEOPLE DO NOT EVER MAKE USE OF THEM PLEASE. I am so cross with myself for renewing my contract