Please Assist urgently

I received a call from infusion financial service stating that since I have been over charged they can decrease my instalment to the amount of R8000.00 and I agreed and signed the documents and the following day,the phoned me stating that they can decrease it to the amount of R7000.00 and I went to the bank to cancel the 1st one for R8000.00 and and requested them to cancel the process hence my husband is denying me to continue with them and I have been approved for the amount of R195000.00 at Directaxis and when trying to settle my credit card ,I was told that it has been placed under dept review and I stopped them to continue, And Directaxis promised to pay my Revolving loan,credit card,game account, Rsc account. Truworths and identity but when I check with them ,they did not manage to pay hence account is under dept review.please assist in order to be cancelled as I have to repay Directaxis back