Credit income protect insurance

I had app**** for credit income protect insurance during the lockdown, the waiting process was extremely long and I was told if I paid my premiums, I would not be reimbursed for any payments made, as a result my account went into arrears which affected my credit rating, I was only helped when I put a post up on hello peter, I was assured that once payment was made my credit report would remove past defaults however this has not occurred. Very disappointed with RCS and the manner in which claims are dealt with, covid or not. If the credit rating was inconsequential we wouldn't bother paying accounts timeously