Ridiculous Financial Outcomes from Telkom Mobile

I am ANNOYED beyond words. I am trying to upgrade my phone, and everything is fine online - A Telkom person calls me and tells me I will be over-indebted for a debit order of R1200 - I have a higher income bracket than most South Africans. How the HELL is this possible? Cancelling my Telkom account and moving to Vodacom. Telkom Mobile is a bunch of jokers.