Russell's rude and unfair treatment

I took a Fridge at Russells Protea Gardens . I made my first payment on the 31st of October 2023. I've been making payments for the fridge on time every month since I got it. Until July 2025 . I was supposed to make a payment on the 25th of July and I couldn't because I was busy planning a funeral for my brother who passed away on the 23rd. I am mourning, my head is all over the place I forgot to contact Russells and make an arrangement. On the 30th of July a lady from Russells called me and I asked her kindly to please call me again later as I was on the road in a noisy taxi I couldn't speak nor hear her properly.

That was the last I heard from Russells until today on the 14th of August when someone from ADRS knocked at my door around 16:00 pm telling me that he's come to collect the Fridge because I missed a payment. No warning from Russells, no text , no email just a rude guy serving me a letter of demand. After he left I called Russells and the rude lady I spoke to told me I should call ADRS for any questions as I have failed to make a payment. She did not want to listen to me. She didn't answer any of my questions. She was quite rude . I called ADRS and the person I spoke to told me that he doesn't care that my brother died , he doesn't care that I am saying I can't make the payment now , he doesn't care about anything he just wants his money by 1pm tomorrow or else he's going to send someone to my house again and it's going to charge me another R500 for that .

I've made consistent payments, timely payments to Russells until last month and this is how Russells treats me !