Finchoice pathetic service

On the 24th November, Finchoice offered me a payment Skip in December. I accepted it and they sent me an approval SMS the same day. For the past 3 weeks Finchoice has been HARASSING me daily, calling me 10-15 times per day to ask me about my December "arrears". I have explained over and over about the payment skip and they keep promising to update the system but unfortunately it appears incompetence reigns supreme at this company. They have negatively impacted my credit score and I am not in the wrong whatsoever. My January payment went through with a slight issue because some genius changed my salary pay date to the 20th incurring a missed debit charge from my bank. Luckily it eventually went through on the appropriate date. I was initially very impressed with Finchoice but I have now experienced the absolute worst case of harassment, with them also impacting my credit score and incurring bank fees is unacceptable!!!!!!!!