Worst experience - Capitec Bank

I have never experienced such frustration with a finance house. I have had a similar facility with FNB for over 2 years and have never had such issues to date. This goes back to the inception of the loan. A DebiCheck mandate was loaded in Dec on my Nedbank account. A few days later a mandate was loaded against my Capitec savings account which I thought was in error. For December my payment did not go off even though on the loan statement it showed two reversals. In Jan when I made a manual payment I alerted the Bank on this and requested that my Dec instalment be restructured, which was done. The same problem occurred for several months. I continued making manual payments whilst requesting the bank to fix this because it was affecting my credit bureau score very negatively. Every time I engaged I was advised the problem would be sorted. I attach screenshots dating back to Jan 2024. I made multiple calls to the call centre over the past 10 months, at some point I asked for all debit orders to be cancelled so I can continue making manual payments, I was however told that this was impossible despite my disputes raised and the negative impact this was clearly having on my bureau and livelihood since I needed to finance other parts of my life however due to my score I couldn’t. At a point I requested another restructure, which I was told was approved, however my account has never been rectified and constantly reflected an extreme arrears position. I called again end Sept/beginning October to rectify, the call centre agent I engaged with was not helpful. Throughout the conversation when trying to show him the issue on the statements he interjected and I became frustrated. I asked him to reinstate the DebiCheck debit order, I received a mandate and approved it. I asked him repeatedly if 1) the debit order would go off and 2) if this wouldn’t result in a debit order as per the previous months, he arrogantly said no it would no. The recurring payment was not cancelled on my account because of all of these previous failures experienced from Capitec. To my dismay this morning I was double debited. Now on my salary day I have no money for school transport, transport to work or even food for the month. Capitec has failed me yet again. My other debits are at risk of reversing because of this issue. I need: 1. My money to be refunded R7 870 and R8 306. The instalment was increased without my approval. I have no means of survival for me or my children month. I have no means to get to work. 2. The loan to be restructured so I can pay a normal monthly instalment until paid off 3. My bureau to be update for atleast two months. I have tried consistently to rectify this situation over a period of 10 months.