They sell us lies

Spoke to a lady and she sold me lie Firstly they tell you we will reduce your monthly installments but they dont tell you about 40k you have to pay on top of what you owe. After they dont declare extra income on your income and after they tell you that your over indebted. When cancel because they want to take the first installment as theirs and you cannot get your money back and they refuse to remove my name from credit bureau and all my installments were update until I join them. They never included my otherwise income so that I can be under them. I want my money back I will pay my own creditors like I was doing before as long as my name is not listed.