ADRS Incompetence and **** business tactics

What is the point of calling me so often, only to then end the call as soon as I pick up, or when I am talking they just end the call and notify me that I refused to come to an agreement? Incredibly *********** and useless staff. When I get paid at the end of the month, that money is to pay for bills in the following month - so to be told that my payment that was paid at the end of October for November's instalment will not be allocated to November, so if I dont make another payment then it will be marked as unpaid for November (when I do in fact have 2 payments that was reflected in October - 1 at the beginning, one at the end (wanted to pay early for November as I had received my salary earlier) - honestly if that's how you run your business then we going to have bigger problems. I will not be making another payment this month, and if you have a problem with that then ANY further communication can go through my lawyers seeming as your staff keep just putting the phone down whenever they feel like it (and no, I was not raising my voice or getting aggressive on the phone when they decided to do so). You just leach off people that are just trying to recover financially.