consumer ****** in broad day light by armed Woolworths gang , happend at the cnr of ****ed off drive and **** off lane in norightsforconsumerville

I signed up for a woolworth's store card in September 2018 and was asked where to send the card, I asked for clear water mall , it was agreed.I was informed ill receive an sms to inform me when the card is at the clear water store , i waited a couple of weeks , went to the store in clear water mall, but was told the card is not there yet ,the lady said she will call and find out where the card is , she got back to me informing me that the card is on its way to the store but gave me reciept i had to use to make a purchase , which i used, a went back after a couple of weeks as i have not received the sms to inform me if the card is there or not, when i got there i was informed that clear water Woolworth's is not a store issuing card , i was then informed i need to go somewhere else to collect my card and was informed Cresta Woolworth's is a store issuing card, went to Cresta and to my surprise i was then informed that a card was sent to my residential address and the lady said it was done weeks ago , waited a couple of days and got the card via post, went back to cresta Woolworth's to make a purchase, but to my surprise again, i was informed the card sent via post is not active and they will need to issue me with another card, this was done in store and the card activated, i was not overjoyed by woolworths service just to get my store card , but now , the main issue I have and this is something that i cannot understand, I have been receiving calls from a collections agency based in PTA telling me that I have not made one payment since the inception of this store card, I have made 4 seperate payments for amounts varying from R210 up to R470 , at least of total of R1200 minimum was paid to woolworths by myself in the woolworths store as I have not set up a debit order.why should i honour this agreement between woolworth's and myself? Woolworths offered me a store card with no hassles and I offered to pay them with no hassles , since Woolworths did not do what they said they will do , why should I do what I said i would do and stop making this monthly payments , if I stop paying for a service i did not receive , who is going to suffer? woolworths or me?we know this will not affect woolworths one bit , but i will be listed as a slow payer or non payer, how fair is that? what can I do as a consumer? nothing, i just need to continue paying, because my wife and I are looking to buy our first home together and if i am listed as a slow or non payer will that help my wife and I with our home loan application? I have the cash to pay, , i have been receiving sms that have different amounts to be paid , which amount should I pay and why am I the only person with a clothing account that needs to make 2 payments each month? one at the end of the month and then another before the 12th?i wish i was not applying for a home loan, I would cut up the store card and never ever pay woolworths. still waiting for a reply or any contact...briliant