Harassment at my home

Hello peter please help me with this issue,I'll be honest I did skip one payment on my bears, I never received a call from nears store in boksburg stating my account is in arreas,they debit my account on a Sunday and puts my account in minus R1370.its not even the debit day yet I still had 3 days to get a debit of my account I then owe the bank R1370 CAUSE MY ACCOUNT IS IN MINUS!! then I must pay bears R1370 AND I FALL BEHIND ON MY PAYMENTS,I don't receive a call from bears to say this is so urgent I MUST PAY. THEY THEN DEBIT MY ACCOUNT AGAIN ON THE 8TH AND AGAIN MINUS R1370 TO THE BANK AND R1370 TO BEARS,I HAVE LANDED IN FINCIAL TROUBLE NOW THEY THE ARRIVE AT MY HOUSE DURING THE DAY WITH THERE CAR DEMADING PAYMENT RIGHT NOW OR THEY WILL BREAK MY LOCK AND TAKE MY BED.I WAS SO SHOCKED AND EMBARRASSED INFRONT OF THE LANDLORD AND PEOPLE VISITING THE PROPERTY, I LITERALLY BEGGED THEM PLWASE I AM WAITING FOR A PAYMENT OF 1800 THATS ALL I HAVE AS I HAD TO PAY MY RENT ASWELL OF R6000.THEY GAVE ME TILL 2 OCLOCK TO COME UP WITH R1370 RAND OR THEY WILL COME BACK.ITS BEEN STRESS FULL,I MADE THE PAYMENT R1370 BY 12 O CLOCK THEY ARE DEMANDING ANDOTHE R1370 AND ACCUSED ME OF DOUNG *****,I THEN RECIVED A CALL FROM SOME DEBT PEOPLE STATING THAT I PAY MY ACCOUNT VERY WELL AND I HAVE BEEN OVER CHARGED BY R370 SINCE FEBRUARY 2024 EXTRA EVERY MONTH AND THE INTREST IS TO HIGH I SHOULD BE PAYING R1018 A MONTH AND THIS IS AFFECTING MY CREDIT SCORE. PLEASE HELP ME PLEASE, I NEED MY BED.