Unfair treatment

I am reporting mfc agents, his name is Killarney number is ***. I feel i have been unfairly treated...I have been found myself in a crisis due to covid therefore I feel back on my payment. I got a call from mfc asking me to pay the arrears amount so when I got back on my feet I paid towards the arrears amount at the end of August. During the month of September I got another call saying that they received the payment and they will restructure the account and must propose that I pay a certain amount every inclusive of the arrears. My proposal was accepted and due the agents email address being down I did not get that feedback. Few days later I get a email from the same agent saying that the proposal was declined due to me defaulting but I didnt get the email saying the proposal was accepted in the first place. I feel totally mistreated having Killarney screamingng and shouting at me like I'm a ******** yet I have been talking to other agents during this whole time. Mfc have my number for the monies due they phoned me but when my proposal is accepted all of sudden they dont have my number to call me and tell me instead they blaming their email being down. How can I default on something that was not communicated to. I need help to resolve this matter as I have not received anything from a court yet. Please can someone from MFC who has the knowledge and knows how to deal with your company making a mistake contact me on *** asap.