ABSA HORRIBLE SERVICE

October 2019 i refinanced with Absa, reduced installment and arrears extended, August 2020 they told me I am in arrears of R4000.00 this was the first time I heard about this arrears almost a year after, i am not just going to pay since August 2020 until now January 2021 i am struggling to get answers out them and no one is capable or has the experience or education to assist me. While everyone is delaying the process the interest on the arrears goes up with R200.00 a month I am so fed up at this point I dont know what to do.