"overuse" saving repayment

Was at first a TOPMED client and then moved to Fedhealth due to topmed merging with Fedhealth, because my savings was used up on the Topmed scheme I have to pay the outstanding amount, this was arranged to be done over a period of 6 months, sending email requests to member@fedhealth does not help at all as you firstly do not get a response at all, secondly phoning in and finally getting a response you get advised that there is more outstanding and your repayment terms is now longer, this is utter bull****, not one month without missing a single payment and having to contact them to get more "great news" !!!