Payment relief problem

My credit card was on payment relief for the past 3 months and I have to continue with my regular instalment this month. When they offered me the relief they told me my account won't be in arrears but interest and fees will still accrue on the account which I understood. They then said they will send a confirmation note setting out the terms and conditions which they never did. I am now shocked that they have debited me all the 3 instalments and interest all at once. That is something I never agreed to and I absolutely cannot afford. Had I been made aware that on the 4th month I will have to repay all the instalments I skipped at one go, I wouldn't have app**** for the relief in the 1st place.