Covid relive

I app**** for Covid relieve in May which was approved, however they continued to deduct money from my account every month. End of May money was deducted from my account and immediately got SMS saying they know about my payment holiday and the money will be reversed into my account which they did but they continued in Jun then reversed back and in July again they deducted but nothing was reversed and I kept quiet till one of their agent called me on August the 22nd to tell me that my payment holiday is coming to an end and they would like to know if I will be able to continue paying and I advised that YES I will be able to pay as I went back to work however they owe me one month installment as they did not stop debiting my account even though I had payment holiday. I asked her to consolidate the the money with the other two months but she said they will have to refund the one month money as per rules however nothing happened till I called to ask for that one month refund and sent email then they decided to refund me with 3 installment in stead of 1. Now I am being told that my account is behind and it has affected my credit score very bad even though I have never missed any payment. I fail to understand how can Direct Axis blame Wesbank while I am their customer and I did not go to Wesbank for loan. It has now been two months of going back and forth.