complain for increased installment due to ********** act to my account

Hi Hello Peter, I need your help or advice regarding my account with Edgars. I have got account with them, so last month (JULY), they did increase my installment but I did only pay half of that amount ...the reason why I didn't pay full amount is because of affordability.

On my account with them , I notice a ***** on my account and reported it to the store ( Fourways Mall ) where I did fill dispute form and gave them affidavit from police station and Edgar's statements for 3 months (April to May) where I saw ***** on , from there didn't hear from them or get a chance to go back to the store for feedback.

what I want to ask you is, since they did ***** on my account and finished my credit buying to make my installment higher than what I used to pay, who should pay for this , yes is my account to make a payment but its not fair for Edgars to increase installment like this and Today they send me sms threatening me to handle my account to debt collection agency . What should I do about this ?

This month I have not pay them, their overdue is worse than last month. I wonder if they think I can afford that kind of money that i have not paid since opening account with them . i know they are under financial problems but I cant pay for the things that i didn't pay. i even planning to close this account during OCT , its seems as my information is not save with them if they did ***** on my account.

Please advice what to do