Debit order under deposit on a Bank Statement.

My loan was put sequestration March 2021, Then April, May and June Capitec deposited and debited money into my account. Which clearly appears on a my bank statement submitted to Capitec. I thought it was an insurance covering monthly installments. When I check my credit report April and May had missing payments which will be there for 3years. I inquire at Capitec. Reply I received:

"Kindly be advised that I have checked the statement and found we did not make deposits. We tried to debit the account however due to insufficient funds, the funds returned back to your account, I have also checked and found there is a retrenched status on the account. Please note, you would still be liable for payments up until the insurer then pays out." DEBIT ORDER UNDER DEPOSIT.

Its been more than 5 months already and the insurance has not pay out and I am liable for the payment while I have submitted my retrenchment letter.

On top of that I paid February 2021 monthly installments and it still reflect as a missing data.