Way of making money?

I have had endless problem to sort this account. A couple of years ago I had to change banks due to ***** debits. I fell in arrears with a couple of months. During this time I requested the banking details in order to do an EFT. The reference number always showed as faulty. I called numerous times for assistance but could not come right. I reinstated the debit order and requested a higher amount to be debited. I was told that it could not be done and that only the monthly amount could be debited. I was told I would have to transfer the additional amount. Needles to say due to the reference number not being accepted I could not do this. The normal monthly account was debited with fees and interest accumulating. I am actually wondering if this is not a way to make money? I got handed over even while the normal debit order was going off and while I was told a higher amount cant be debited. All adding to more fees. Two months ago the debit order stopped and I was listed as having a default payment. I never requested it to stop. I called and was told they can add an arrears amount. I could not believe that this could suddenly be done. The amount arranged was for R2010 as of the 25th April. I requested this in writing but got no email at all. I tried calling to obtain this but after numerous calls and holding for long periods had no success. The statement never reflect the total amount that I have paid over the years but reflects an outstanding amount higher than the original loan amount.