Useless

I'm really ****ed! Since last year I think June, I have been calling the Tfg call centre to try and make an arrangement on my Tfg account because I have not been working, However I was able to pay my account, but ever since my account fell into arrears, which was in July or August, I think, they have been demanding the full installment, after I have explained my situation, I made arrangements to pay and was unable to keep to them(I earned less than half of what I was earning previously. And this was what I explained to every agent that called me. The last arrangement I made with Tfg was to pay 1420 for 3 months, and I was also told that after 3 months my arrears will be removed and that a new installment will be generated, and this amount was paid in April last, and in May, my account was then moved over to Pienaar and Sithole associates (after I have made payment arrangement and paid!!!)and they have been calling me day in and day out.. Calling and when I answer no one speaks I have also been listed as a slow payer. I have explained that I was not working since Feb this year, also that I'm pregnant, I gave birth not too long ago, which means I am unable to get a job... I was depending on uif.. Which is also not alot.I am well aware that my account is in arrears and I'm liable to pay. But the thing is, had someone assisted me properly in the beginning, I would have not been in the mess that I am now. So if this cannot be resolved or if no one is able to assist me with a reduced payment arrangement, then I'm going to have to take this further, by approaching the ombudsman.