DISSAPOINTED

I bought a contract, requested insurance, got no insurance, my phone got ******, after a year I heard they had problems with their insurance but now I still need to pay for a phone that I DO NOT EVEN HAVE. This is very very poor customer service. If you know your insurance are not working, why do you not inform us than we could at least have gotten insurance some where else!!!!! I writed previously but they deny this and say I need to pay and that they will not replace the phone. It is not even that expensive phone! Huawei P20 Lite