RCS Insurance

I had a loan from RCS and was paying back each month until unfortunately I was retrenched from my job. I had Insurance with RCS so contacted them, completed all the paperwork and got a letter from RCS stating that my balance was ZERO. Now 12 months down the line and still unemployed I am constantly getting phone calls and sms's from RCS stating that my account is in arrears and they are going to hand my account over to Lawyers, I have explained to them that I don't have money to pay and that my Insurance claim was approved and the balance was NIL. But now they are stating that the claim was only covered for 12 months, how can this be.........