Arrears on Account

Due to me unemployed since June 2014, it was very difficult from end Nov to have the money in my bank acc before the debit order date. I have done a EFT transfer on the 3/12/14 for the amount that missed the debit order. then again I did not have the amount for the debit order at end Dec 2014. I managed to get a casual work for R100 per day.Then on the 31/12/14 I done a EFT transfer for R650. On the 11/01/15 I did a EFT for R300, and on the 12/1/15 I done a EFT transfer for R280. The amount of debit order was R1228.54. The last debit order went through on the 29/1/15. My loan was paid up according to me as well as the contract signed. I got numerous calls and sms from Feb to say I am in Arrears? I stated that I have done EFT trnsfers. I had to fax and emailed it to them. They sent twice a debit order of R307 on my account without my permission for my so called arrears! I have reversed it. Then they added 2 times R60 for default costs again! They allocated my proof of pmt on the 25/2/15 after they added all the costs! My argument is the proof of pmt shows when the<br> money was paid in. Why allocated it only at 25 Feb 2015?? They keep on phoning and sending sms\s!! Please help!"