account payments

I was reffered to zero debt by a friend a lot of promises were made but non were true. I keep recieving statements from wesbank with a rediculors amount of debt that keeps growing and i always foward what ever info i recieve to zero debt at first i was told go not worry because wesbank had accepted the proposal and the second time i was told not to get confused by wesbank and i must not make any arrangements because all was well. I again recieved a statement with an even bigger debt amount. I was then told to add more more on zero dept to accomodate wesbank to get them off my back of whih i accepted. I than today reiceved a call from wesbank saying my car willbe repossased. Only than when i contacted zero dept i am told that my wesbank did not accept my proposal. What i need to now know is what was i paying for if my car was not covered. They were incompitant and now it is all layed on me to pay debt that werd caused by them not bieng thorough and informative. Had i known that the car debts were not covered i wold not have joined zero debt because the main reason i went to them was for my car to be taken care of. I need zero debt to pay back all the money i ever paid.