MBD Harrasment On Behalf Of Truworths

I am experiencing a bad experience whereby truworths uses MBD to harass me every now and then pay for the 2019 installment which was only R350, And it accumulated to R3500 I paid so far after get employment recently before I lost my job because of COVID 19. And I am surprised that they keep on demanding payments but the 2019 installment is more than 3 years it is not against the law for a credit to demand payments even if 3 years have passed. Worse even when I pay the installment I don't receive any increase on the buying power or allowed to buy on credit. Card Number: ***