ACCOUNT DEBIT, SYSTEM FAILURE

I'm actually rating it negative zero... It's just that there's no option for that... 2 months ago they did not debit their money from my account as per agreement. Days passed without them debiting... I called to find out what was the reason for them not to debit the money, the response was that their system had a problem and they would call to discuss a payment plan since their system had a problem. 2 days later I received a call from their lawyers to say that I have been handed over and I was shocked because I am the one who called to find out what was the reason for them not to take the money but now suddenly I'm the one who's been handed over to the lawyers. Again I call and ask if is this how they work... They told me that they are even surprised that I got a call from the lawyers since an account can only be handed over after 3 months of not paying of which in this case it was not even my fault that they didn't debit the money, I am not responsible for their system having problems... So the person that helped me then then told me that I can settle the money in 2 months... The account had been in arrears and I told them that I am not going to pay for the arrears since I am not the one who actually caused this whole thing... Surprisingly the money keeps on increasing and now they are nolonger reachable on the phone... Now I want to understand, how did it happen that Marquis finance did not debit and I call to find out the problem only to be told that their system had a problem, called by the lawyers a few days later to say I have handed over and now I keep on getting emails to say my account is in arrears even after I settled the money and it was not my fault from the first place because I have nothing to do with systems having problems... Use them for financing anything at your own risk... Not a good company I must say... Very nonsensical