Blacklisted (Debt Written Off) while paying for it

Creditworx contacted me to make payment arrangements for the loan I had taken via FINCHOICE. Payments arrangements went fine and they were executed. R500 was meant to be paid for three months i.e. October, November and December then it's finished.<br> <br> Before I knew it, I was blacklisted. And now I can't find another job because I'm blacklisted. I also can't find a school because they do credit checks on me prior to accepting my son at school. I am extremely unhappy about this.