USER PROFILE LOCKED

I just tried an online purchase and it shows my Profile as User Profile Locked. this after I attempted the purchase at the store (online) and the payment coming up as 'unsuccessful'. Not good. I used the facility for the first time in May after being approved in December last year and there was no problem. Now it's User Profile Locked and reading through reviews here it appears MANY have the same problem. It also seems Mobicred do answer, but only to the good reviews.