SO WHAT NOW?!???!!!!?

I opened an account and bought a couch from Coricraft during September. I agreed to being debited on the 30th of each month.<br> The couch was delivered on the 14th of November.<br> I received an SMS from Coricraft saying that I would be debited from the 1st of November.<br> After no money was deducted from my account by the 1st of December, I phoned Coricraft and their credit supplier, the RCS.<br> I was informed that:<br> - My details were captured incorrectly.<br> - They had tried to debit money from my account since the 30th of October, but my bank retured the debit unpaid.<br> - I am subsequently 2 payments in arrears. <br> - They have not sent me any statements at all during this time.<br> I was told that I am not a responsible consumer as I did not phone Coricraft to tell them the SMS I received was incorrect (seriously?!).<br> I agreed that one payment be deducted on the 8th. And followed up with my bank