RCS IS A ****

I app**** for credit insurance in May and it was approved in July, to my surprise last month I received a call from RCS Claims agent telling me that I must pay R1200 for my credit insurance to be paid and claiming that I was told about it and I have sent a email to request the recordings if indeed they have initially told me I must make a payment, Now they said they are taking my account to credit bureau. one of the claim agent told me that as long as I proved that I'm not receiving any income they will cover the payment through credit for a period between 6-12 months.