very poor

two months back i called wesbank to remove my shortfall cover on my policy because always when i want to claim they say that i am not covered i am not covered but every month their debiting the smart cover policy. and the consulted that was helping me with my query she was impatient with me because when i ask why do they always say that I’m not covered for smart cover when i want to claim she was answering a different story fine then i ask to cancel and give me my new installment monthly premium she then responded that smart will cancel and they will send the policy docs that was not professional at all .and this morning i received my statement saying that i am in arrears for 246 that i don’t know what’s for and the funny part of it i never missed an instalment since i bought the car .so i don’t know what’s the 246 Arrears are for so what i need from wesbank is to remove that 246 and also clear my name cause i can’t suffer for removing smart cover that it was not helping me since 2016 until now ,because now i am on a process of buying a house and i know it will affect my credit score so please i don’t want to fight just clear my name and also clear that 246 i dot want to see more installment debited from my account end of September .i hope i make sense .so the person who will call me must know his or her story and please don’t ruin my day .