Disappointed in Direct Axis

<p>In 2013, I got a personal loan at Direct Axis. They stopped deducting in August same year and I thought that it's probably a clausse in the contract of a premium holiday since it was my birthday month.</p> <p> </p> <p>They also didn't debit in September 2013 whereby I called and enquired, only to find out that my debit order agreement with them has been cancelled without my consent. I was so furious and requested that they re-activate the debit order and started deducting until I paid it off in 2014.</p> <p> </p> <p>My name is ruined by them on their records because they always decline my applications even though my credit record is good. I want them to investigate this matter and rectify it. I want a letter from their records as proof that I did indeed request for the debit order to be cancelled with my signature on it.</p> <p> </p> <p>I would love to take out credit from them, as their interest rates are not bad.</p> <p> </p> <p>Thanks in advance</p>