Sent SMS and just deal with it!

A week ago I payed the arrears on my Credit card. I phoned the Credit Card centre and confirmed that I will be able to use my full amount that I payed into my ***. The lady assured me that my money will be available for use because the arrears account are settled. Today I just received a message in which they inform me that they reduced my credit limit and that a letter will be sent to me. I understand that they have the right to do so, but in their terms and conditions it states that notification will be sent to you before they just adjust your credit. In this case I was notified after they adjusted my account. the problem is that I just lost my whole salary, I am a mother with a household to run and that there were NO communication with me what so ever. They just do what they feel without a phone call or even a email to notify me, if they did then I could have made arrangements to repay my credit card seeing that the arrears amount was brought up to date. <br>