Not Allowing a upgrade

I was due for a upgrade on my contract no :*** on the 1st November 2015. I went into a vodacom shop in Pavillion Shopping in Durban and was told that my \finance option"on my profile had been removed as i had a default against my name on the credit bureau.I then tried at a vodacom shop in Durban central and was assisted by Nicole who arranged for head office to review my application and its still came back declined.They said i have to pay in R8000 to get a Note 5. This makes no sense"