Capitec's ******** practice is impacting MY credit rating!

I have two personal loans, a savings account and a credit card. I have been with Capitec since 2010!I am looking at consolidating my personal loans and another account and went onto the app to look what access credit I qualify for only to my HORROR there was a response that I do not meet the criteria as I have had unpaid Capitec account in the past 12 months!!!!!! I lodged a complaint end last year as Capitec was debiting my account without authority on an incorrect date, consistently for a very long time, and CAPITEC was in breach of contract. I even arranged my salary to be paid into a different account to try and stop Capitec from doing this deduction. Eventually, after a LOT of complaining, calls, e-mails and hello peter posts, this was addressed by Capitec and corrected, as CAPITEC was in the wrong, and this was acknowledged. Now I am being penalized because of CAPITEC’s ******** deductions on my account. I want this addressed as a matter of urgency! This is unacceptable and I will contact the credit regulator and lodge a formal complaint if this is not addressed and favorably resolved as I am not being treated fairly. My credit rating is affected negatively and I will not accept this lying down!