Sleezy Business Practices

I have a 2 year loan with Direct Axis. It is now just about 13 months old and eleven payments to go. They have a debit order against my personal bank account that goes off every month and I have not 1 skipped month. I have app**** to ABSA for vehicle finance and was turned down due to the direct axis loan showing an arrears of R48.00 and I have been listed on 2 x Credit Bureaus (Experian and Transunion) as being in arrears due to no fault of my own. I've tried, believe me I have tried to contact Direct Axis more than 3 times but no go. Transfered to another apartment every time after explaining to all of them but nada. I am now officially tired. My credit profile has been affected and I cannot rectify it. R48 ?????? They have and are charging me arrear interest for no reason. My debit orders goes off on the 1st of every month. December it went off on the 31st due to the holiday on the 1st of January 2022. Do I create holidays, do I decide what day a business day falls on. Why Why Why am I being listed as being in Arrears and cannot contact the people responsible for the listing. Never again. Be carefull of this lot. I will be contacting the Ombudsman for these practices. On top of it ABSA turns me down for R48.00. Go figure