Tracker have no experience of compassionate,sympathy and empathy experience and lack the customer service ethics

This is my second bad review of this company as yesterday received a sms that my account has been handed over to Blake associates due me refusing pay a R726 and I called to ask speak to manager and handed over to a supervisor by name of siya and asked him why account was to Blake associates even I know why..but question to him is why am I being held alone accountable as there employers also did wrong not explaining the terms and conditions properly than rushing for a sale and if customers contract expired and went to a month to month then he calls in for payment arrangement due financial strain then you should practice sympathy and empathy to get the mutual understanding ...the supervisor started speaking over me and not even giving a chance to speak I literally had stop him and tell me can give me chance to speak and just assume terms conditions was explained saying that the facts payment, even suggesting a payment arrange or any other solutions when I asked what's the way forward and also emailed due to I owe a 726 rand can't do the full amount due to financial strain I can only pay 50rand every month until then R726 rand full paid that's the best I can do and life so tough out here that it's to keep up with everything and I am disgusted of how I am being treated as client and will say it to tracker connect is the most horrible company that do what they want with there clients account and blames it on there systems..my 1st contract was perfect with the polo classic the cars after that with this company was endless nightmare and a horrible experience