Not paying the account

Im a concerned customer for TFG.... I openers my account and everything run smooth ive only used it once and did things accordingly and paid what was initiated but now im faced with a challenged where my records were clean with the account to my surprise this company makes money from making daily calls where some times u cannot answer to while some calls you can answer but now the trick is they make a daily commission from the calls which makes the account which was in good standing to have extra charges that you as a customer did not even use on the account im sitting her with an account that is soon to be handed over because i couldn't pay but yet again interests n calls are charged now i must pay for them can this matter be taken forward because i will not even try paying for the account especially if i only used it once and have not enjoyed the pleasure of TFG for i all i know they can gi fly because now i have to deal with lawyers for an account i was ****med for calls that make daily commission no thank you