Threatening a client that

African bank went into my acc to debit on the 18th whereas on the 15/03/2016 I had already made an arrangement that they should be debiting on the 22/03/2016 as I'm only getting paid on the 20/03/2016 ragardless if its a weekend or a holiday. I phoned in to cancel my debit order because this has been going on for ever. I spoke to a consultant who then refered me to the manager who then came through and I explained to him my challenge hence I needed to cancel the debit order. He told me that Mam your account is already in arreas and your saying the unpaids are messing your credit records whereas your always reversing the debit orders.I then told him yes I'm aware that my loan acc is in arreas and had already made arrangements for those.He went on to say that if you insist that we cancel the debit\ He will personally make It his responsibility to monitor my acc and list me on the credit Bereau\" I told him you don't have to threaten me as I'm only doing this because you guys(African Bank) are failing to stick to aggreements I make with you.He was very rude and was trying so hard to intimidate me and again I told him I will not be intimidated by you or anyone whatsoever"