Capitec accounts

I had my two Capitec and a loan accounts handed over to Hammond pole sometime in 2018 or 2019, I can’t remember. I had made an arrangement to pay a thousand rand every so that they could divide it into the three accounts so everything was well until I lost my job in December 2019 but in March 2020 I received some money and I made and arrangement to pay off my credit card as well as to pay a thousand rand into the other accounts so they deducted the money as agreed. From then going forward I told them them I was unemployed so I continued to pay my other two accounts according to how much I could afford on a monthly basis. Fast forward 2021 I was surprised to find out that I have not been paying my credit card. According to them, apparently there’s been one account that had a higher balance so they took that 6.something that I paid in March 2020 and allocated it to this account that had a higher balance to reduce it and mind you had I not made a follow up with this I wouldn’t have found out. Oh another thing why did they let me only pay the two accounts for so long and not let me know that my credit card is still owing? As far I know the person that I spoke to just before I made an arrangement to pay up credit card in March said my credit would paid up after making arrangement and only R10583 would be left on the two accounts combined. I have since asked for the recording of the telephonic conversation I had with the lady , whose name I can’t remember, but I have not received anything and it looks like I’ll wait forever. Even now I made payments of R100 on each of my three accounts as agreed with them but they’re still sending me threatening messages even though I have sent them proof of payments multiple times.Can someone at Capitec and Hammond pole have look at this and allocate my matter to a competent individual and come back to me with a credible reponse and in future always update your system when I make payments and stop sending me threatening messages.