Unsatisfactory client service

For more than 10 years I have been a client via Fnb home loan with this insurer. I unfortunately I lost my job in 2009 that resulted in my home loan going into arrears, for a period of time I could not keep up with the loan but lucky I got a job in 2016 and I started paying but the arrears where still there but I continue fighting them, then this year Outsurance and FNB decide to cancel the home loan cover, I spoke to them but to no avail and my monthly repayments never decreased. Another thing that came into this picture just for them to prolong and not give cover anymore is the reason that I have a ****a shop in my yard,so now they are dwelling on this issue instead trying to sort out the matter that I enquire about. My ID number is ***