Unhappy Customer

On the 25 June 2025 I received a call from a consultant that is from Mutual credit solutions her name was Phelo and it was about reducing my debits according to her I was overcharged by these companies and promised me that they will negotiate on behalf me to reduce my installments and they will combine all my debit and make I will make one payment and I was happy to start this process but now because I'm married in COP I can't do it alone I needed to include my husband as well,The first installment was on the 25 July 2025 which was R10320 and something but now there was a double installment on my husband's side I tried to follow that up by calling and sending emails but I was told that the bank can not pay me back the money but I was told that after I made a second installment of R8500 in August 2025and that was it I never got my refund but the money was deducted so I told them that I'm canceling my service with them and I joined the We Clear Debt on the 16 September 2025 where I was mislead. Still don't know what to do now.