Failure to assist

I am on maternity and I tried to make payment arrangements as I am still waiting to receive uif money but today i received an email that my detail were forwarded to credit bureau as if i am not paying on purpose , then what is the point of making arrangements and your people calling to find out what is the reasons for non payment if you already no you are going to hand me over, while TFG had made arrangements to pay a R0 instalment while on maternity this store has failed me, I do not see why you should offer people to make arrangements. It is not like I do not want to pay the account as soon as I go back I will pay up and close this account. I am so heartbroken after all the emails I sent explaining my situation.