DONT KNOW WHAT THEY DOING

I did a cellphone claim last year sometime with autopage, they messed up and claimed twice on the same device, which went against my name for claiming too often.they charged me for 2 excess and 2 claims were done. then i went to head office and collected my new phone, had a massive fight with autopage to reverse the 2nd claim and refund my excess, 2 weeks went on and nothing happened. eventually the Stoneridge branch phoned me and told me that they got a new cellphone there waiting for me to collect. since autopage couldnt assist me in this matter, i went ahead and collected the new phone as it was claimed against my name and i paid an excess on it, 2 days later autopage phoned me and told me i need to return the phone and if its open i have to pay for it, only when i was in possession of the second phone, then only they were willing to assist me. autopage forced me to pay for the second phone otherwise they said they would list me against the credit bureau, i came to an agreement with them that i would pay for it, even though i felt it was there fault, i agreed on a 12 month payment term, now the 12 months are up, my name has been logged at the credit bureau that im behind.