BAD BAD BAD SERVICE Telkom

i issued a claim last year 2020 November, they only got back to me in January saying i did not have insurance with them. after providing proof (invoices) they then approved for a phone i was not insured for (a cheaper phone) and charged me R1369.90 excess. i contested it, then gave me an excess of R1459.90. Due to Covid 19 i could not pay right away. I finally paid and called to follow up on my claim, i was told that my claim is exhausted i need to claim again and give reasons why i did not pay on time. i explained and my claim was again approved.

a weekend later i called, the consultant said they were waiting for their supplier to provide them with a tracking number they would forward it to me before end of business. they did not do as promised, i called again (mind you, i always get hold of a consultant after 10+ minutes of waiting on the call). they then told me that they still have not received the tracking number i should try again the following day. After our call ended i received an email saying that i should pay an additional R200 on my excess as it has went up. i still dont understand how does a fixed excess goes up while the phones value is depreciating.

i received beyond poor service with Telkom insurance, their consultants are mean, some they spoke in their home languages that i did not understand and got upset when i asked them to speak in English. it has been 3 weeks and i have not received my replacement device but they dont mind to debit money in my account every month... Telkom Insurance is a ****