Fin choice is not keeping its promise

i have been a fin choice customer for a while and have paid my account timelously , i went into my kwik serve to apply for a loan and buy airtime and i was told i am in arrears , i am receiving letters and sms's saying i qualify for a loan , i called and was told i am in arrears, i checked my debit orders and all went through, eventually after days of calling and getting no direct answer , i was told it will be updated next day and given reference no 103748, i called next day and was told i am in arrears with 20, i asked why it wasnt debited and i was told i bought it too late, i am so mad at the service i have been receiving i feel like closing both fin choice and homechoice