credit limit reached on top up contract !!!

my husband and I have a top up contract and today they disconnected our line, when I call the call centre then they say we have reached our limit but I don't understand how you reach a limit if you on a top up contract which by the way our credit was loaded yesterday , when I call the first agent says she can give me info on the account but cant change anything because Im not the account holder, then I hang up and call again and speak to someone else then she tells me she cant give me any info because im not the account holder, we are married in community of property how am I not allowed access to an account that I use, you people make it impossible to have someone give permission to access the account, you have to get an affidavit and who knows what else then when you have R50 on the account then its insufficient funds to make a call !!!!! my husband works and so do I but he doesn't have an hour to hold for a call centre agent to take his call, my child is at school sick and they need to call me if there is a problem but they cant because my line is disconnected ??? I don't swear but the agent made me so angry that I ended up swearing and not AT her by the way and she cut the call