bull**** service and unhelpfull

so on the 04 june i updated my cover I made a payment the website says is your device new or pre owned obviously as a customer if I purchased my phone brand new not as a pre owned its brand new firstly that questions is not clear I called a lady at naked and she said " yes mam you are fully covered" I went back on to the app there was an out standing payment again I paid R700and some change to naked and later I got an email from Joy so unhelpfully useless she said you are not covered like after paying why did the first lady say mam you are covered I sent emails upon emails I called them terrible customer service the worst and then she opened up a complaint never responded to me I sent emails no response from joy naked is in the wrong I only received 244 refund I phoned nothing the only thing I can do is to file a law suit because they *****ed me and they were not clear from the get go and **** to me its a different case if I was told and it was made clear to me that you cannot cover you device like after paying then I was told that please do yourself a favour don't use naked and they are expensive you can try santam they very good and they respond immediately if you have issues and they are very clear with everything naked is bull****....... I have been waiting for my complaint to be resolved, but nothing from Joy I got an email from a guy saying I was covered in December or November but there were no documents submitted if I had claimed it was going to be denied as per terms and conditions like I want my full refund period