poor customer service and service

MFC is the worst people to deal with when it comes to motorplan....I don't have problems with their loan side and car finance but insurance department. I joined them when my car got 52000 and now is 63093, when I contacted their customer service to boom my car for service they told me they can only pay when my car accumulates 105000 as per the choice I choose. When I asked for Xhosa speaking sales person so they can explain to me clear maybe I missed English hence is not my mother tounge they said they all business and if I want to cancelled the contract it will take 21 days and to get the recording of the day I joined them it will take 7 working days. I am done with them alli need is my money back and go join better motoplan companies and just continue paying their loan and moto finanace