Warning! WW, deliberately devious or a very costly mistake?

Woolworths Financial Services damaged my credit score. I have a WW ABSA credit card and on 9 April I called to make a payment arrangement and was informed they will email me. On 10 April, I received the email asking how much I would like to pay and I rep**** R6000p.m. On 17 April, they rep**** that my account has been handed over. I have been placed on ITC. During the last 6 months I paid my account every single month, payments were R4500 to R7000p.m totalling to aboit R34000, and the balance now is R42000. How do you hand a client over to ITC who pays more than 10% of the outstanding amount every single month consistently for MORE THAN 6 MONTHS? This doesn't make sense at all!