Bad customer service

I amReally disappointed in absa on my AVAF account first I made arrangement for my errors to be debited on the 14th of December 2020 and that debit order never iwas in 2 errears in December of R1205 and made arrangements for it to be debited on that date but it never through again I made a cancellation on my VAPS warranty pack to be removed and the money on the pro-data to be refunded into my account so it can settle the errears none of that was done and now I am checking my credit score and statements and they say I am In 4991 on errors what happened to the money refunded on the vaps packs policy their consultants are very rude and not even coming up with Solutions to help out their clients , now I am in errears because of their laziness , can someone please call me and clarify me on this one and the reason I cancelled the vaps warranty pack is because they never wanted to fix my car and i had to carry out the cost of my own , tell me Here how does electrical system have to do with service of the car ?? My car couldn’t go to a service in March due to lockdown and it broke down 2 days after the country went on a full lockdown after that they rejected my claim saying I didn’t take the car to service , how do I skip a service when the whole country was on a lockdown I need a clear and full understanding on how am In errears whileI’ve been making payments on my vehicle account