Very dissapointed and worse customer service

I am writing regarding my blocked PayFlex account related to an order I placed on Takealot. The fridge order was canceled by Takealot, and the refund was credited to my PayFlex account. However, my account has since been blocked, and I have been informed that I must continue paying installments, despite having not received the product becouse that will affect my credit score if I dont pay.How must I continue paying for an item I did not recieved and they are also failing to refund my money.I have been emailing them with no response.worst company to ever exist.