Creditworxse

I was called three times in a space of one week, mind you I was charged for the calls. I had made a payment as per the arrangement. I was called a week later to say that I had not paid as per the arrangement. I made another arrangement only to be called a week later to be told I defaulted. I refered to the two previous arrangements to no avail. I had requested the recordings of the previous communication on the 05th November and was told that I will recieve feedback before end of business on the same day. A week later I had to call back and spend my own airtime to get feedback I had requested only to be told that the manager was not in at the office (she wasn't sure if he was not comin or just late). I had requested a statement of account on numerous occassions and non is forthcoming. I need to understand how I am billed and the amount I was billed should be justified. At the end of November I was owing about R252 or there about and I know I was informed that I now owe R-/+450 all in the space of two weeks.