Bad Service Home Choice/Fin Choice

On Monday 12.10.2020 I received a phone call from Fin choice informing me that they are a financial department of Home choice. They don't want to see my account be handed over to the lawyers due to outstanding payments which occur during the lockdown, they also informed me I qualify for a loan at Fin choice which will automatically settle my account with home choice. I specifically asked the lady if I agreed to the loan would this mean that I lose my credit at Home choice or if my account would be blocked permanently, her response to me was "No Mr Hanekom your credit will immediately be reinstated once Fin Choice has settled your account. On Tuesday the 13.10.2020 I received a letter from Home Choice saying "Hooray!! you have R10 000.00 to spend but when I log into my account my balance says R0.00 my question is why did Fin Choice make me take out a loan under false pretention if they knew they were going to block my account at Home Choice. I feel this is very ********* of them because now I have to pay back a loan with interest after my credited has been removed.