Very bad service

As I am a mother of 2 young boys, I thought let me do a course of some sort to better myself to provide my children with only the best. I am a working mother and receive a minimum salary but still managed to pay my monthly fee. Last year August I called the call center and told them why cant I write exams, the told me I must rather move from SAIM to ICB because SAIM has problems..... I then changed to ICB and the consultant advised me that I don't have to pay anymore because the course with ICB is now fully paid due to me paying each month but i couldn't write exams. There was a small amount they then paid back to me. The consultant also advised me that they cannot dispatch my learning material now because this gets updated at the beginning of each year. In January or rather at the end of January I phoned to ask where my study material is and they advised me its on its way. I received my study material in February. In March I phoned the same consultant explaining to him I don't want my money back I just please want to change to Pastel course. I didn't know that the business management course would be so hard and with 2 kids, a job etc...... I knew I wouldn't make it. So rather just do something I know I could finish. He said no problem. He send through the transferring letters for me to sign and furthermore informed me that the fee is a total of R8650.00 and I had R11.500 so this course is then paid for but the money thats still available I couldn't get back I had to use it on another course, which was fine with me. 2 weeks later I again phoned to hear when I will receive my study material, when he then informed me that I will not receive it because I have no more funds. He emailed me the letter saying after my new course was paid for (pastel course) I had R5570.00 left. Then he added that no but I paid my monthly fee from the last year that I changed my course. How do I have paid from August when he informed me that I cant receive my study material now, but only in January. I had no study material but according to him they deducted the monthly fee even though he advised me to wait till January for my new study material and also to move from SAIM to ICB. Now they don't want to pay my money back that I paid for a service I didn't receive.