Billing Miscommunication

I have a loan account, That I always find myself sitting on the phone with different agents with different explanation on some arrears that come and go in my statement for over a year, I need someone with a better and clear understanding on accounts. I called in March 2015 to ask for a 1 month break or extension in my loan repayments for the month of May 2015. I had some agents calling me a month following this, I made arrangements to repay that money over the following months, Of which I have, however I received a statement this month that shows those arrears again. MY concern is that , the previous 8 statements that I have been receiving does not show any arrears. Why are the arrears only re surfacing NOW, A year later ? I am writing on hello peter for the 2nd time now for the same query. Is there a problem with African bank accounts system?<br>