LIFE: INSURANCE Vs. BANK

These two can be so annoying sometimes.

VS.

Like in my current situation. I have two companies; the CFC Life Kenya (C) and Standard Chartered bank Kenya (S) . Now, C has both a bank and an insurance company while S is purely a bank. I purchased an Insurance policy from C and premiums paid like clock wise monthly via bank's direct debits. I changed bank's this April to join S. I filled another direct debit form to ask my new bank S to be paying out the premiums on my behalf.

Here is where it gets interesting. In the first month of bank change, C tells me that they delayed to give S the orders to pay out the premiums, but promised to do so the coming months, I was okay with that. The next month, that is last month, I check and nothing had happened. They tell me that S has not given them cash even after being billed by them . S on the other hand claims that C hasn't given them any instructions to transfer the money.

At first I was worried, why is it that my bank isn't transferring the money. It is a very reputable bank, excellent service but C insists that S is the problem. Am caught in the middle. What to do? I got an executive from C and another from S. S stood their ground and C even brought some paper work for me to review and lift blame from them and shift to S. C also counts the months unpaid as my arrears which makes me even more mad.

S customer care tells me she isn't allowed to see customers nor is the department concerned. I was life, WTF! So why are you customer care is you can't attend to a client with a problem. And they had the nerve to ask for my details and call me after 30 minutes to explain to me their stand for the 100th time. The customer care executive of S, the bank, asks me to give her 30 minutes to consult with the department that is responsible and doesn't carter to clients directly and did that twice. I think that's the poorest customer service yet. They should call it internal service as it seems to only work for their staff not their customers.

S says no orders given, C says they gave the directions but S refused to obey. Now that's not even the juiciest part, C says that S said that my account has insufficient funds, same day as pay day. When S is asked, they say there is money in the account but there are no instructions to debit my account. Who is lying to protect their tush? C? or S?

Am so tired of the he said she said between the two and none wants to take blame. If am asked , am thinking their might be some fraudulent activity going on as none seems to know where the problem is. And even if I take time off to go to S, she will tell me the same thing she does over the phone and questions of who are you talking to, will surface and the customer care lady doesn't seem to know anything regarding premiums payments. She need to take time to consult, which is fine but next time ask all the relevant information so as the next time you call back, have everything with you. Am so disappointed with CFC Life Kenya and Standard Chartered Bank Kenya.

Help me, what do I do next...cancel the policy, change banks again or have the two representatives give me a sit down?