Club Leisure/Flexi Club ran by *****s

I have an instalment arrangement based on a contract. Club Leisure/FlexiClub is in control of the debit order. It has never been returned as unpaid. If it is processed late it their mistake, not mine. They have now listed me as in arrears with Compuscan/Experian and this has impacted on my FNB credit rating. This is the second time I have approached them about the errors. Last time the waived all the contractual admin fees. Now, I suggest we cancel the contract as incompetence is now manifesting as stupidity