******ion, disgusting and unpleasant company

So last year I couldn't pay my loan, around June I was called by Nible collections for capfin loan, I called capfin and they confirmed I was handed over to Nible, for 2 months I paid then vertex started calling me, so I stopped paying Nible and made an arrangement with vertex which I also confirmed with capfin. Now that I made an arrangement with vertex I get a call from a third collection company. I again call capfin and they were completely useless and not useful. I will not pay using any of the collection agents. Reopen my account and I will settle it. YOU GUYS ARE A JOKE AND EXTOTING MONEY WE DON'T HAVE WHEN WE CAME TO YOU FOR HELP.