SA TAXI FINANCE INCREASING MY INSTALLMENT UP

HEELO PETER TEAM HOPE YOU ALL HAD A FANTASTIC HAPPY NEW YEARON october 2015 HAVE PAID R 119000 after i was left with R 160000 to finish my hole installment then on after a week my taxi was i volved in a car accident which i reported to then i was called notified that they will fix the taxi and pay the taxi installment they have not fixed the taxi even now and my taxi installment have been increased now they say i have to pay 45000 wich iknow iwas left with R 31000 if the taxi, THIS MONTH WILL BE LEFT WITH R 21000 BUT A GUY FROM THE CALLED ME AND ASKED ME WEN WILL IPAY BECAUSE I OWE 45000 NOW IAM CONFUSED LPEAS HELP ME