Creditors Not paid the December payment

Follow up on the progress of paying the creditor. According to the contract, the agreement goes as follows: 15 November 2024: A payment agreement of R3500 was taken from my account, this was not paid to the creditor, it goes straight to Finwell to cover the cost of the agreement. Creditors are paid from the second installment. 15 December : A payment of R3500 was debited from my account. This is the second installment and is supposed to be paid to the creditor. The creditor is not paid till to date. Reason for non payment, they closed early for Christmas, the payment will be made on the 6th. The creditor is not paid. A gentleman named Mr Marius who responds here and made attempts to intervene is now not responding to emails. The creditor is phoning me and refer them to finwell legal, according to then finwell legal has never reached them. When I contact Mr Marius through his email, he is not responding. Today 15 January another payment of R3500 is taken. From judging on my experience, Ive put myself in a deep hole. I'm losing, I'm not getting any help. I've reached to the bank and apply for stop payment, the money is gone inspite of making that effort. I will keep updating the public about Finwell Legal. If this is what they do to con people their hard earned money, I need to be the last. People should not be lured by their positive reviews, maybe they are not real.