bad services

In November 2013 i recieved a call from Woolworths offering me a loan of R 4000 of which i refused and that was it. December recieved a statement stating that i have to pay my first installment, i went to Woolworths in vereeniging and fax disput forms,id,3 months bank statements and affidavit to head office. February 2014 someone paid that account and i told them to use their sevillience camera to trace the person. Details are mine except the bank but still i have to deal with lots of attorneys that Woolworths uses telling me to pay. I am worried about my credit report will i be black listed?<br> <br> I am worried they are taking too long to conclude