Suspended service without notice

I've recently upgraded my phone and also took insurance on it. I wasn't billed on the 1st month, due to timing difference of the activation and the invoice date. Now the billing includes last month charge which is fine however, my services has been suspended. After calling telkom call center and spoke to one of the team leaders a,I was alerted that my account has been suspended due to credit limit being exceeded as a result of the insurance. I currently can't make any calls nor use mobile data! I was left vulnerable in an uber last night not being able to track my location as i didnt not have internet service. Can telkom please explain to me why was the credit limit not done on my profile at time of insurance activation? All the costs reflect on one invoice, why was this not picked up? Why am I being told now that telkom wasn't aware of this? Why wasn't i alerted of the service suspension prior to suspending this? This is in contravantion with the code of practice, my account is not yet due till last day of the month. So why am I being told I need to pay for the insurance to reactivate my service? I've emailed escalations at *** and did not even receive an acknowledgement of my email. I am a second away from taking this to the ombudsman as this is unacceptable!