Appalling service

My husband and I booked a trip to the Maldives leaving on the 12th of July 2020. On the 6th of June 2020 we were notified that Travel Dreams has gone into voluntary liquidation. After we completed the claim forms, we made several attempts to contact Lucinda Ferreira but each time was an epic fail. When she finally responded to our repeated emails requesting an update, we were told that the liquidation of a Travel Agent is not covered by the policy. Although this may be a fact after having to first download a 101 page document to find the T&C's which we never received in the first place, it wasn't actually the point, the point was that the flights had been cancelled regardless of them going into liquidation and that along with Airspace closure was covered by the policy. When I asked how do we get the cover on the flights being cancelled, she advised that we needed to get a letter from the airline stating this, when we send the letter from the airline we were then told we needed to provide proof that we had not been refunded. The only way we could get this proof was to provide the airline with the e-ticket number, which we didn't get from Travel Dreams and can still not get due to their business cessation The only payment we ever made was to Travel dreams. The appointed liquidation attorneys providedus with letters stating that no refunds would be made to creditors. When we asked the attorneys to send us the paperwork from our trip we had booked, we just kept getting the same email back from them attaching the same same documents, telling us to use those to initiate the claim. We sent that after having already sent Bryte our proof of payment, booking confirmation, flight details, confirmation that we have insurance and the proof that we paid for that insurance, we have still not been contacted by Bryte insurance. The company has ceased operations, you have a letter stating that there will be no refunds, what more do you need to honour the claim? or at the very least make contact with your clients! You have more that one way to cover us for this trip, pick one and honour the claim, this behaviour is ************!!! Stop using Covid-19 as crutch for poor service delivery.