Incompetence largely impeding on customer credit profile

My debit order for my vehicle did not go off AGAIN, after speaking to the consultant i was informed that the debit amount did not go off because somebody decided that i would do a cash payment without informing, now my account is most likely in arrears and i need to suffer as my credit profile Will be *****ed with, till now i have not received a formal letter to apologise and inform me that they have made communication with the ITC department to clear my name for their stupid incompetence and inc