consumer violation

A few months ago i started to get financial problems so i started paying less on all my accounts to wat i can only afford as i am a single mom with 2 kids ,i pay 50 on my capitec bank after i was harrased being called numerous times a day the consultants at capitec finaly understood after i spoke via email with a supervior at capitec ,i pay every lonth only 5orand untill.im back on my feet again.i have not once not made a payment now i get. A sms capitec has refused to take my money and resent it to my bank account.cause they handed me over,i understand that they handed me over but refused my money just because,i am a paying consumer andvthis is agains my rights as this is being forced apon me as i did not pay when i did ,capitec bank abuses their customers and they treated me teribally i am descussed with that bank and i am so glad my salary does not go into that acc any more.they force people to be handed over so its not the consumer fault its capitecs.<br> I am so tired of capitec abusing me as a consumer their employees now to this .