Not In Line with CFDC

I am under debt review and told the first agent about this then i called in to make arrangements since i fount a new Job this agent spoke to me in a way that i felt i was owing him Not Capitec is Capitec saying they should talk to us like that when we are owing them? if that is the case i will not be paying any cent of the money i owe them because i know my rights and if CFDC is not implemented on calls and agents speaks to us like the way he did then this Harmony Pole Inc is harassing me. I called in"key point" with my air time and i was spoken to like i owe mashonisa