NO FEEDBACK PATHETIC

I received a Legal letter from African bank in February, in the letter it confirmed if I ignore the letter they will add a default to my name, I contacted them a few days later advising them that I will make payment. They agreed on the set date due to unforeseen circumstances I was running slightly late with my payment, 3 days but before I made the payment I noticed that I default listing has already been added after I made contact with them NOWHERE IN THE LETTER DID IT STATE THAT IF THE PAYMENT WAS NOT MADE ON THE SET DATE I WILL GET THE DEFAULT LISTING AND THEY DID NOT EVEN SEND ME A MESSAGE TO ADVISE ME IF PAYMENT NOT MADE A DEFAULT LISTING IS GOING TO BE ADDED. I made contact with them in last week as my dad in law has been in ICU for quite some time and my baby was very ill advising them of the situation BUT TO DATE NO ONE GOT BACK TO ME....I AM SO FED UP I AM WILLING TO PAY THEM AS I CANNOT AFFORD TO HAVE A DEFAULT LISTING ON MY NAME DUE TO THE FACT THAT I BE HOMELESS IN A FEW MONTHS AND HAVE TO PURCHASE A HOUSE BUT ITS LIKE WHO THE HECK CARES!!!! PATHETIC SERVICE THEY REFERRED ME TO ATTORNEYS WHO ALSO DID NOT RESPOND WHAT AM I SUPPOSE TO DO!!!!