bad credit

Goodmorning im so disappointed ,my co worker bought a Defy 4 plate stove on inslament worth R3000,and he was paying constantly ,then lost his job and couldnt contuen with the monthly payment,they then 2023 they decided to collect the stove worst it was hardly used and still new . they took it the box.Now his trying to buy a car on finance ,and was declined reason be bad credit due to Ok FURNITURE Steeldale store.hes making folow ups on that and cotacted them.they told him he need to pay about R5490 they will even give him discount on it ,if pays it in full,mind you me the stove was R3000 then.now thes intrest due to not settling the payment as agreed.How this be?pay for the stove that u dont have and theyve taken it back..and asked so will i get it back the answer was no!Really how can he pay for something he doesnt have owership too,and was taken back..sold on auction a lot of question marks here..hes so frustated now bad record for somrhing that was taken back by the store...PLEASE CAN WE HAVE CLEARITY ON THIS..his name is charles De Los, i.d number ***his cell phone number ***