Disappointed customer

I opened my account with homechoice in September 2020 and the debit order agreement was R488,55 for 12 months. In October 2020 the first installment was debited and I made a lump sum payment of R1500 on the 29th of October 2020. Starting from February 2021& March 2021 homechoice has been deducting R193 on my debit order.When I questioned that at homechoice call center,I was told it was because of the lump sum I paid on October so that is an amount credit to me that is why R193 being deducted. I have never received a statement from homechoice until yesterday when I asked a consultant to forward me one,I was shocked to see that my account is in arrears with R295,31 how is that possible? I never missed any installment with homechoice and this is affecting my credit score. On top of that homechoice is expecting me to make a payment of R787,55 at the end of April 2021 but my agreement with homechoice is R488.55 for 12 months. I am very disappointed with homechoice and disgusted that you do not stick to the debit order agreement.