Capfin is useless. Don't do business with them

Capfin knows I have been retrenched in October 2020. We made arrangements for R500 but they keep debiting my account for R1500 and now I have R600 charges because of them. Last week a lady called and said they wanted to assist me to restructure my debt so I can pay R500 for 10 months via easy pay and my account won't be debited. Boom on the 23rd March 2021 debit for R1500 was sent to my empty bank account. Please don't do business with this people. Now I have charges and they expect me to pay them and pay for charges. I'm unemployed why can't they stop debiting and allow me to pay via easy pay. I owe them R4000 which is small money but they behave as if it's R40, 000. I hate doing business with capfin.