Paid 9k for a phone that's valued at 5k but can't get assistance.

I have been paying payjoy for 8 months every week. Today I asked for a payment extension, and the couldn't assist me coz according to them I'm over due. I paid over 9k for a phone that's valued at 5k. Just a mere 3 days so that on Tuesday I can pay the remaining balance. Now I have to borrow a phone untill Tuesday.

I didn't have my phone for 3 weeks due to repairs and payjoy wanted or insisted I pay for the phone. But now I must pay for a phone I don't use? Does that make sense?

If you want to use payjoy do it at your own risk.