Paying monthly installments with no handset

I took my Samsung Note 4 phone to MTN Brooklyn Mall because it could not detect the memory card and I was told to take it to a Samsung shop within the mall which I did (30 October 2015). A week later I got an email that the phone has been fixed and I discovered that they broke other things when they were attempting to fix it since the sensors had stopped working. I took it back to MTN Brooklyn and I was again advised to take it back to that very Samsung repair shop.<br> <br> I recently got the phone back and it only worked for 2 days. I have now resolved to take it where I bought it (MTN Sandton City) and I am told I will only get it back in 2016. I am still paying my monthly installments on time yet I not in possession of the phone. <br> <br>