RCS and Game Stores are a bunch of *****

I have been a Game Store Card Holder for over 6yrs now. Ever since I app**** for a store card/account I have been paying for credit insurance. In July of 2020 I declared to Game Stores and RCS that I’m currently unemployed due to Covid and thus I will not be able to service my debt of R9600. I sent all my details to the RCS head office, however they still haven’t approved my application. They keep harassing me with calls and today they sent a text message stating that my account has been Handed over... my question is why was I paying for credit insurance all these years and when I’m in desperate need RCS and Game Stores start giving me the run around???? I’m in a dire situation financially, I have submitted all the documents to no avail. No one is providing feedback at all. I find this grossly unfair and terribly dishonest. I’m very disappointed and once I do secure employment I will settle my account and cut all ties with this disgustingly inefficient bunch.