*****ing Money

I have an account with Ackermans, but since lock down I didn't make regular payments like normal. Last year I was handed over so I agreed to make payment.. They keep on phoning me and when I do answer no one speaks.. then I recieve messages saying I have to settle my account with the balance due which is exactly the same amount they handed me over for so how on earth do you allocate your payments...you will not receive any further payments unless this is settled. It's bad on my credit records. But we as customer receive no customer service because there aren't any service..