Woolworths threats

Hi,

I have a Woolworths personal loan, store card and credit card.

I made an arrangement via email to pay a specific instalment per month on my personal loan, from Dec 2018 up to March 2019 I have had made an arrangement via email to pay between a bit less till end of March 2019 - I should be able to increase my payments therafter.

I have had daily phonecalls from Woolworths regarding my loan account, threatening to hand me over etc, even though I pay every single month.

Now I have received a laywer's letter demanding the full loan payment.

If it was possible for me to repay the full loan, would I not have done so long ago?

I am making monthly payments and should be able to catch up soon, why scare me with threats?