VAP Premium COVER Shortfall - HARDLY covers much

I wrote my car off in an incident that happened on the 28th of January 2016. My car was insured through Outsurance and at the time of purchasing this mentioned car I was sold VAP Premium Coverplus. It was sold to me as - shortfall insurance: if your vehicle is written off or ******, CoverPlus makes up the difference between the payout from your underlying insurer and the balance you still owe on the vehicle. This is also how it is advertised on the Wesbank website (active today). Outsurance settled their amount and since then I have continuously been following up with Wesbank and their underwriter. I have also left messages for Yumna to call me back but she never did. Today when I called again Wesbank told me that the shortfall was still not paid, I then phoned the underwriter only to be told that it was. Called Wesbank again and they confirmed that their were issues with notes and it was paid. The amount paid was only R28 209 but the total outstanding short fall is R70 624.44!!! The reasoning from the underwriter is that Outsurance insured the car too low. This does not speak to what I was sold and is a total misrepresentation of what I was sold. I will take legal action.