Select Home warranty Will not pay for A/C service mahwah new Jersey

 I was having a/c problems, I called SHW for a tech. to come out, got a service number. AC company #1 came out and said my 24 year old a/c unit was leaking freon. They did a cleaning and told me a new system would be about $7000. They told me SHW does not pay them enough to bother with replacing the unit, but I could pay for it out of my pocket. I called SHW to discuss this with them, SHW does not cover freon, and I see that on the contract so No payment even if they figured out it was not a leak and it was something else. I had another company come out, at my expense to look at the system for a second opinion. They said it was a condenser & coil that went out, not a freon leak, and I see that that is covered, but they do not work with SHW. The new company checked the lines and there was no leak in the system, as was previously reported. I had the Condenser & coil replaced by the new company at my own expense $3700. I submitted the bill to SHW, and was told it the Condenser & coil was covered, but since I did not get it done by SHW AC company #1, I would have to talk to a manager for a reimbursement. The Manager told me there will be no reimbursement because of the freon leak as first reported, I told him to look at the second opinion bill, there was no freon leak it was a condenser that went out not a freon leak. He said the condenser leaked out the freon, So no payment. I told him nothing in bill #2 says there was any leak. Then I was told I needed to have 3 years of service records on the unit, we have only had the house for 2 years. If we did have the records they would only send us $150.00 since that was all they were allowed to do. We have never had a claim or even used the SHW since we purchased a 3 1/2 year plan. I asked for a refund of my purchase price of the warranty, it would be pro rated I was told, minus $75. cancelation fee. I bought the warranty for large item problems with the house. If its not 1 loop hole its 3 others. After complaing to the BBB, SHW called and offered me $500 to go away and quit complaining. (I did not take it)