Why even pay insurance Nedbank personal loans

Nedbank personal loans

First they advise I qualify for a payment holiday 3 months payment holiday granted Then I receive constant messages to say I am in arrears Then I make calls almost daily to clarify this matter Then in June I get a message to say a full installment is due but I’m still on reduced salary During this time right up until August the full amount keeps getting deducted and they have to refund Call them speak to a very inexperienced agent who says payment the holidays are now over insurance claim must be made - finally claim gets sorted which is not even half of the installment to be told my an agent that is what the assessor approved Then received an sms last month to say claim no longer available I had to make an arrangement for payment Why am I even paying insurance which I am confused about Why is the staff not aware of their internal processes Now I am liable to pay the interest for the payment holiday period which the insurance i am paying could have covered in the first place Asked to speak to a supervisor on numerous occasions not available Not to mention the airtime used to hold on for them and get very conflicting stories from agents all in one day