TFG stores

I struggled to pay my markhams account for a few months because of unemployment and when i started workin i went to the store direct to pay atleast R200 in june was told to contact customer service as my account is blocked. I then got intouch with them on the phone whilst instore the guy who took my call didn't care less about my financial reasons and said i need to pay the full amount i requested for a payment arrangement he said they dont offer that. He said even if i pay those that 200 it will be useless as it will build interest still, nvertheless i paid the 200, next thing i receive an sms to make payment around the 15th of july which i again built more interest as if i didnt pay in june which i find unfair as you guyz should be helping with reconciling my account im not refusin to pay and i got a call from debt collectors advisin to make payment of R240 to be able to build my credit score every month ok fine i paid on the 24th of july 240 instore payment was acknowledged, from last week been getting emails that im in arrears again the money i paid was useless it went back to my original arrears though they see im makin payment and im due to pay again on the 24th but still regardless of me paying every month for the past two months im not going anywhere with my debt as it accumulates interest regardless, so the question is why am i told to pay 240 every month but im not gainin anything with decreasing my debt. I feel like TfG stores rip of people their interests are very high and they dont care about their clients i reached out for assistance for a payment arrangement and u see i pay but why shoud i be penalized wiith a debt that is not decreasing im strugg3as it is and im dealing with heartless people ive never heard that a company cannot offer someone a payment arrangement never in my life im a client and will to pay but no one hears me instead you hand me over.