Avon ruined my life!!!

Avon ruined my life! I had an account with Avon in 2016, my Avon rep placed an order on my name without my consent and told me that I must just try to sell the items and whatever I can't sell I can return back to her and she will return it back to Avon. I then returned most of the items back to her and she said she will give it to the driver when they deliver the next order. I placed more orders after that and I saw that the balance of the items were still reflecting on my account. I then queried it with my rep and she said she would sort it out. After receiving the bill of my next order and the balance was still reflecting on my account, I went to their office in Mitchell's Plain town centre and I was told that my rep, Nazley Abrahams had moved to to another province. I then started calling Avon myself and all they could say is that they did not receive the items. I struggled with them for about a year and they then handed me over to itc. Once again I was back and forth on the phone with Avon and itc. One day, one of the Avon consultants actually confirmed that they have received the items but they still didn't sort it out. Eventually I made the payment to itc because they advised that if I do so, my name will be cleared and there will be no trace of this and at this point it was all I wanted because they have already ruined my credit scoring. Itc also called me a few months ago saying that I need to pay R90. I didn't know what it was for because I already settled the Avon account and received a paid up letter but I still paid it, however today I'm trying to apply for a home loan for myself, my spouse and 3 kids and I'm being declined, over something that was not even my fault to begin with. I am so furious and will not recommend anyone to become a rep, and I myself will not buy any Avon product again!!!!