Day light ******* by TELKOM and FINRITE

Telkom Mobile I took a contract with them on 23 October 2018. Hauwei Mate 20 Lite, in December the phone wouldn't pass the Hauwei Icon on the screen. On 8 January 2019 i took the phone back still in perfect condition, no scratches to Maponya Mall Telkom where i took the contract. An employee named Sbusiso took the phone and send it to the repair centre and he made a note that the phone was in GOOD Condition. Finrite insurance came back saying I should pay R2200 penalty fee before they can check the phone for what the issue is. I advised that I cant pay for something without knowing what the issue is and they jsut stopped communicating with me. I made various calls to the Finrite and went to Telkom and calls but no progress. In April i went back to Telkom and Sbusiso put me on the line with Finrite again and agent said they will escalate to the underwriters to wave the penalty. They came back a few weeks later again the penalty is waved. In all this no explanation. I started liaising with their ( finrite) complaints department and they just insisted i pay R750 excess. Still no reason why and what is wrong with the phone. I eventually asked doesnt the phone have a warranty and she said she will revert back, that took another 5 days and only on me asking was i told it lapsed cause the phone had physical damage. Again i went back to Telkom Maponya and spoke to the manager Linda Mkhwa**** who said she will speak to them and revert back, she just came back to tell me what i was told by the insurance but mentioned that Sbusiso said the phone was not damaged. She called me twice with the same story. Another month passed and I went back yesterday 22 July 2019, she did not even remember and was shocked that the issue is still not sorted. She then went into her office and i waited for 30 minutes and she came back to put me back on the phone with insurance. I eventually requested that the contract be cancelled cause I pay R558 every month since October 2018 and dont have a phone. The phone was not damaged when i gave it to Sbusiso and he made a note that it was good condition. That phone was damaged from the time it was out of my hands. TELKOM Must either reimburse me or give me a new phone!