********* Standard Bank credit life protection

I have been with Standard Bank for almost 20yrs. I lost my job Dec 2022 and could not longer pay for my credit cards and revolving credit facilities after April 2023. I did take credit life cover with Standard Bank almost 15 yrs ago and decided to put in a claim as this would cover such circumstances. After numerous emails and telephone calls their insurance dept only authorised the claim in Sept 2023 but only for the credit cards and not the revolving credit . I advised that on my statement I have been paying for credit life protection on all the facilities. I was told that the revolving credit did not include loss of income only for critical illness or death. I advised that the cover does specify the terms on the credit life and you cannot choose to pay for the credit cards and not the revolving credit as it is exactly the same product with the same description on the statement . I have been harassed continuously by LGR attorneys to pay up and advised I am unemployed. They don’t hear ****. This morning the sheriff of the court was at my house to issue me with a summons . This is a joke . The banks are becoming ruthless and paying under handed law firms to “organise” summons ********ly. This is happening with all major banks beware!!!.I am requesting urgent feedback from Standard Bank to sort this matter out ASAP. I have been paying for credit life and expect loss of income to kick in and cover such instances and not choose what they would like to cover. I have requested the original revolving credit contract where I have signed that there is no loss of income cover and they cannot provide it because the facility started over 15 yrs ago. What bull**** is that!. I have never skipped a payment in all the years I have been with this bank. The term credit life protection means and included loss of income and not limited to critical illness or death. Furthermore if you choose to cover the credit cards for loss of income but not the revolving credit you are not consistent with your rules. Either pay all the facilities or non of them. Somebody better sort this out today.LGR attorney have further *****ed a squeaky clean credit record which has caused job applications to be turned down thereby preventing to earn a living!!!.