CHARGED AFTER I MADE ARRANGEMENTS TO PAY ARREARS AMOUNT MONTHLY

I bought a "nutribullet" from Le Morgen about a year and a half ago. Payments were deducted successfully each month until I was laid off from work and then I fell behind. I diligently made arrangements to pay an amount of R200 of until account is settled. I informed them that I have stopped the debit order and that I will do an EFT each month after pay day. Since then I receive a a HAND OVER letter EACH AND EVERY MONTH and get a fine of R120 EACH month for the failed debit order deduction. I have sent numerous mails but the same thing happens EVERY SINGLE MONTH.