direct buy auto warranty ripoff butler Tennessee

I purchased this warranty on a 2008 ram 2500 truck approximately 2 years ago. Last October (2013) I had to replace the clutch they contacted my mechanic after he had looked at truck as there request after discussing the problem with him they informed me that this was a normal wear problem. I was unhappy but went ahead and paid for the repairs. About 3 weeks ago I took my ruck to my local dodge dealer where I purchased it to have the front end aligned they informed me I needed ball joints and axle joints.(truck is 4wd and only has 69000 miles on it) Anyway the service manager called direct buy about the repairs they said they would send an adjuster out that week I forget on what day of week but they said I would have to bring truck in that morning and leave it all day because he said he couldn't give me a time but adjuster would call dealership if truck wasn't there when he called them he wouldn't come. I called direct buy and told them I couldn't do without truck that day so we made an appointment for the following Monday. I am self employed so I planned my schedule to suit and on Monday morning. I called dealership at 8:00 when they opened to let them know I was on my way they told me was suppose to come on Tuesday I called direct buy they told me Monday. I told them the dealership told me Tue they put me on hold came back with some excuse about the adjuster and it would be Tue. Well I loose another day knowing what I was going to hear sure enough normal wear no pay. Unless you buy a vehicle park it in a garage with climate control you are going to have normal wear that's why I bought there worthless warranty. If I had put the money in the bank that I paid them I could have paid for all repairs and still had money in the bank. THEY ARE A BUNCH OF CROOKS