Unpleasant and Unprofessional customer service

I had an issue where I had my phone ****** and payjoy could not assist me and they do not have anything in place if your phone gets ****** instead they are harassing me for money and their customer service is probably the worst I've experienced, they don't know how to talk to their clients properly and refuse to listen to your story when explaining. I've made my own arrangements to pay and informed them but yet they still harassing me for money. And the fact that they only want to do phone call assistants is wrong because I was being sworn at over the phone more than once but no one answered my email as I wanted proof who I was consulting with as they refuse to give their names over the phone.