Getbucks damaging my credit score

Most terrible loan service providers you can deal with i have had 3 loans with then at the beginning of the month seeing a had a bit of cash left this month i decided to pay settle 1 of the loan after doing that i only came to realize one payment didn't go of so okay its not a train smash 1 is stilled at least now and 1 is up to dat and the other in areas so i made a direct payment of R1100 (the installment is R1017)to the details they gave me to get the loan out of areas and up to dat only to see today 2 days late the money went to settle the other loan i had that was only R997 left to pay not to get the loan thats in areas up to date now im sitting with a loan that in areas that is going to get penalties and a mist payment on my name.