Poor service

2024 dec I miss a payment of loan then come 02 January 2025 I received a call from one of their agent and we agreed on arrangement of paying R600 until the outstanding installment is settled in have paid more than what installment required even today i am still in arrears of the same installment which I am not sure are they handling their business and already discovered that I took a loan of R100k but the total repayment will be R300k which runs for 84 months and same thing happened in 2025 Dec they were supposed to debit on the 25th which didn't happen and I did a manual transaction of R3k to their bank account but the system haven't updated even today and busy receiving some threatening messages from them of which is their fault. Poor service from Direct axis