Unemployed due to COVID-19 yet still handed over???

I am no longer working since the National Lockdown.I have no income and apples g FJ or government assistance but received none. I have always been a good payer to RCS and app**** to get a payment holiday through the insurance that one pays on your account monthly. As per your website that is supposed to be for 12 months but suddenly applies to only a 1 month payment holiday. I kept getting calls saying I am in arrears and I must pay. I kept having to explain my situation on not one of the consultants knew what to do. I eventually emailed all the email addresses for RCS and got A reply saying that the payment holiday is only for one month and I must reapply every month.Why is it written in my policy agreement and on your website as 1/ months and now during lockdown it has changed to a month to month basis?? I have now been handed over and the collection lawyers are saying I am refusing to make a payment and asking if there is no one to help me to pay at least R250 in the account. I’m not quite sure what part of me being unemployed and my family and friends are in the same situation and cannot help me that you people do not understand. I reapp**** for the payment holiday and the lady from the collection lawyer said that if I have not heard from RCS then that means it was not approved ???WOW thanks RCS for being so understanding during a world crisis and people are starving.