Cool Ideas or Home Affairs? WORST customer experience ever!

I have been a customer with Cool Ideas for about 6 months, I have had 20 plus problems with them. They debit money even when I have been paying with payfast since I joined them and still havent refunded me putting me in arrears with my bank and I am being charged fees cause of it . They take ages to reply (once it took them 4 days to reply to me) even though I call and they dont answer, terrible agents. I would rather deal with Home Affairs than Cool Ideas. So if you're thinking about signing up with them Good luck