Why make payment arrangements?

I made a payment arrangement with Nedbank to pay a little less of the amount i owed each month because I could not afford to pay full amount. This arrangement worked until a few days ago i receive a call from a lady who tells me that i owe the money and should be making arrangements to pay for the cash. I inform her that i had talked to a lady and a gentleman who assured me that the money i was paying was enough until I was okay to pay full amount and she was utterly rude. A few days later I find out my credit profile was updated and I am listed as a person who is 90 days behind in payment? HUH? why make payment arrangements with me if you are still going to list me as a person who is not paying, better me not pay at all than pay and still be listed as a person who is not paying. <br> <br> I am dissapointed at this.