TRASHY AND ***** BANK SHARKS

My final car installment was due on 15 January 2020. I received the invoice in December as per usual. I noticed on the 17th that there had been no debit order from Ford Credit. I then called Ford Credit call center and they informed me that they don't deduct the final installment, they wait for the customer to make a deposit. This is done without informing the customer. They failed to indicate this vital information on the invoices they've sent to me the past 71 months. Had I not called Ford Credit to enquirer, my account would have been in arrears and I would have been charged interest, which is what I suspect is their intention. Not one month did I miss payment and not once was the debit order late. This is how they treat customers whom they will no longer be benefiting from.