Bad Service Neglence

I was retrenched at the end of May 2019. I contacted Nedbank Personal Loans together with the insurance that covers me during retrenchment. I’ve waites almost 4 weeks after sending through all my documents. I called them today and I was told it will only take effect next month. Why pay for a policy if I will not be covered in time. I mentioned to them last month that I will not be able to make the payment installment this month as any funds I have I have to utilize until I find employment. I am not happy with the service as I handed in everything that is required. This is absolutely unacceptable as I’ve been a very loyal customer of Nedbank for 11 years.