Ford Credit (ABSA) refusing to apologise for their incompetence

Ford Credit (ABSA) debited my account on the 11th and not on the 1st. They say it is my fault! I have emailed them four times, and wrote that as soon as they apologise for the inconvenience and for the telephonic harassment I will make the payment. Never in my life have I ever skipped a payment on any car until I did business with Ford. Shame on you for not wanting to apologise for your incompetence.