Selling phones without insurance

I am so annoyed with this Company. The fact that they sell you a phone with no insurance on it while you are actually renting the device for 9 months before the device is fully yours is beyond me. I bought a pay device for R15000 and not once did the person that sold me the phone at Cellucity offer me insurance on the device. 3 weeks later I was ****** at gun point and had to blacklist the device. According to Payjoy I still owe them R15000 but I don't have a device. That is just plain bull****! And broad daylight *******. I don't know what is worse, being ****** at gun point or being ****** by Payjoy! I would recommend this company.