No payment due to Debt review

My previous report (20:30 Tue 3 Nov Headlined:Insurance Cancelled on the 28/10/2015 ) , after much patience with Wesbank and with Bongani Sikhakhane , I was informed that my policy with Hollards would be refunded.But my joy was short lived , Wesbank and Regent (Topup cover for vehicle insurance) informed me because I was under debt review my asset was in arrears and according to them the claim (For the topup cover can not be settled because of the arrears, detailing the case Suppliers often try limit their liability through disclaimers in their contracts and terms. However, the terms in the consumer protection act will always over-rule should any conflicts arise. Tell me Wesbank , where is the Outstanding Debt Policy (ODP)? According to my knowledge Wesbank and regent received there instalments even if I was filled under debt review?Further more the Consumer Protection Act provides the Right to Fair and Honest Dealing