TAKEN FOR A RIDE BY NDC

My name is Modiba MM,my ID no is ***.I am so unhappy with NDC.I joined NDC last year and have been paying 13306 every month.In january 2022 i disputed two instalments because i wanted to pay for my son s education.Hyphen sent me a message that i must pay back the money because they have already paid my creditors.I called Jerome at NDC who promised me that i can make an arrangement to pay the money in 3 monthly instalments.I agreed.End of February ,13306 was deducted from my bank account.Then in March,i received a letter from Absa that my debt review is terminated.I called Absa and tried to make arrangements but they said they cant because i am under debt review.I called Jerome and informed him about Absa and he said they will fix the problem after i paid this month and signed a debit order form.I again paid this month but then i am suprised because Hyphen have sent me a message that i have settled the amount i owe them and if i want to continue with debt counselling i must call my debt counsellor.Now i am suprised because when i call Jerome,he told me that they are busy with my account but then the creditors are on my neck and i can see i am going to lose my car.My salary also have been reduced.I am so frustrated and dont even know what to do...The creditors now are saying i must arrange with them how am i going to pay my accounts and when i joined NDC ,i was having 0 arrears on my accounts.Before i even join them ,i tried negotiating with all my creditors to reduce my instalments as i was not coping but Absa and Standard bank refused.I thought debt counselling will help but seems like things are getting worse...Maybe somebody can help me what to do in this situation as NDC is failing to help me...