Woolworths and the lack of communication and s****s in the branch

I would like to lay a complaint against Woolworth's. I have both a Credit and a store card with them. I am paying Woolworth's on a monthly basis religiously, but not the full installment as requested as i am currently financially strapped. I look after my ex husband who has had some serious ,medical issues such as diabetic comas, heart attack, stroke, cellulitis of the feet and nervous break down. He cant work but receives a disability fund from Discovery monthly. His family in the USA and UK do not care and left him for me to fend for. I have always been a good payer and an excellent customer. In the passed, I HAVE settled the full woolworths account at once, this should count for something?? because of the cost of living the power outages, price of petrol and my own medical expenses I have fallen a bit behind but never have i missed a payment. So i am trying to get a consolidated loan to pay them the outstanding amounts in full, but Woolworths have blocked every avenue possible. So besides making it almost impossible now to get a loan,that is purely for them to be paid not for my self, they harass me consistently. There is absolute no communication with in the branches and they have got no customer care people s****s and some have no s****s at all. They are treating me as a non payer which is not the case. I have had to contact a An attorney to try and sort this out which is an additional expense. So all in a nutshell, Woolworths is greedy and does not know how to look after or even assist their LOYAL customers to come to a compromise where all parties are happy instead they make it impossible actually to sort it out.