Account in arrears

Hi, I called finchoice this morning to apply for pay day advance and was informed that homechoice put me up as a bad payer and I no longer qualify - I am sitting in a position now where I have no money for the month and I have paid my homechoice account on time for the last 4 months even paying extra into my account, i called the call centre this morning to try and sort this out and had to call 3 times with R70 airtime that I had to load and everytime my airtime ran out no one calls me back and I need to call back again and explain my hole story again over and over and still no one could help me, ,this is really poor service for someone like me that pays my account and this is not the first time I have had issues with homechoice - Still my problem has not been solved and plus I explained my story 3 times as well as the consultants on the phone are rude and impatient as well as they just pass your call to another consultant without even telling you - disgusting