Payjoy is Pathetic!

Payjoy was designed to make it affordable for people to be able to purchase a smartphone - concept is great to a certain extent. Why the hell do you lock the entire device, I can't even take a ****** photo, mind you, I have been making payments but late on my last payment as I am experiencing financial difficulties!. I can't play music, I can't send a please call me.. how stupid is that? lock the services, not the damn phone! I am a mother, a wife, I have 2 small children in the care of others during the day - I cannot get a damn call in the event of an emergency even and to top it off - no thanks to you - I may have missed job opportunities! oh and to make matters even more infuriating, is that I made a damn payment today, literally an hour ago, I even arranged for my colleague to buy me data just so I can connect, I can see an SMS that payment was received, however my damn phone is still locked and how exactly am I supposed to contact support from a locked phone? Must I now bother others to call this pathetic services? just to unlock my phone! no man, this is utter bull****, I absolutely regret purchasing a phone through Payjoy!