Disgusting Customer Service

I took out a 6 months loan with finchoice, debit set and was paid as per our agreement every month on my payment date, after making a payment in December, I start getting calls from their collections asking me why I didn't pay and then the same people who called me turn around and say they are having an issue with the bank that I used and apologize, but the calls don't stop, multiple calls in a day until the issue got fixed early Jan. 25 Jan they don't debit the payment so I login on their website to arrange a payment, literally means of me making a payment arrangement I get an SMS saying they're are having issues and we should not make payment arrangements, after that they debit me twice. I reversed one debit order and in the month of Feb should have been my last payment however they charged me a late fee for reversing a debit order which was not yet due in Jan, and everyday I'm getting calls from their debt collections. When you call them the agents don't show any empathy or any interest in assisting you. I'm so disappointed in the way this company treats their customers.