RCS not using insurance policy

I have 5 accounts with RCS and have insurance on all of my accounts, but when I lost my income due to covid 19 I app**** for lost of income as it is covered by the policy, I paid my accounts for about 8 months with the savings money I had and then app**** for lost of income on 3 of the accounts it was approved but for 2 it wasn't, when I asked about it I was informed the accounts was not older than 3 months although I app**** after 9 months, I made a payment arrangement that they agreed upon but after a few months they handed the accounts over to a collection agency and my name is placed in default with ITC. I need help to rectify this matter.