RCS Sluggish interaction caused insurance on account to lapse

If I could give zero stars I'd give it zero stars.

RCS needs to get their house in order. I informed them October 2025 already that I'm no longer employed and wish to have the insurance cover my outstanding amount on my PnP store account. It took several MONTHS of emailing back and forth BEFORE they responded with forms I needed to complete and return, which I did and then no further communication.

Every day since I have received non-stop SMS's about the account being in arrears, but they don't use the same motivation they have behind their SMS's to attend to my emailed forms.

In February 2026, after months of silence, they requested NEW forms, claiming they can't find the forms I originally sent (even though it's clearly still included in the trail mail they sent me.).

They've taken SO LONG to attend to this, I have since also received an SMS stating that the insurance on the account has lapsed.

I really don't see how the insurance is MY problem. I informed them of my situation BEFORE the account fell into arrears. Their sluggish handling of this issue resulted in the account insurance lapsing and I don't see why I should be held liable for this seeing that there's no accountability at RCS for their sluggish, unprofessional handling of the account.