Bedzone is treating me unfair

I've took 2 beds with credit from Bedzone. it happened that i skip August then September I had add on my installment to pay the other month I couldn't pay,so it happened that I face some financial problem on December last year I called them I explained my situation.

Their advise was I can reverse the money and then I will have to top up on my monthly installment I was paying R1031 to R1200.

On 24 January bedzone debited their installment, same day I received a call saying I haven't pay,now they're saying my account will be written off, just now I was speaking with the branch manager he says I have to Pay extra R431 or else they will have to collect the goods. And honestly I don't have that's why I agreed to top up my installment please I need help.the last due it's @15:00