Reputability of Company questionable

MBD keeps on messaging me to tell me I need to make an outstanding payment. I have contacted them and requested them to call me on my cell and not my work number. I am on the road most days ans since this is a personal matter it should not be done on my work time. They should not call unless no payment is received, I am being **********. They add the call fees onto the amount every month, the amount should be capped and not increased every month. This is a huge financial burden trying to pay off something that increases every month. The officials dealing with these cases are unprofessional, they have no customer services characteristics, and they do not have telephone etiquette at all. Woolworths dealing with an organisation like this should really take responsibility for this irrevocable behaviour of the call centres that is not up to standard. Calling and asking for clarity is not an option since they are not on par to answer any of the questions you might have. I would like to know when the account is being paid, how will the Credit card which belongs to ABSA bank be paid and how will the debt be lessened if you deal with a company who is in it make profit. Who will receive what portion of the payment, this is just the problem with these Call centres dealing with these cases they are not interested in helping you pay off the debt but to load their pockets with money you do not have but yet you pay, who you are paying the monthly payments to I called to confirm a reference for payment, I was issued two references, how legal and reputable is that. I am questioning the credibility and credit worthiness of this company and whether or not payment is received by the correct creditor. I have made payments but no statements are reflecting this at all. The amount has stayed the same and I am wondering where this money is going. The statements reflecting payments, they do not send so why do you pay and you have no records of payments. I want to make a payment but do not have the banking details (this is not given in the sms which doesn't make any sense). I then got another message (which I'm being charged for) and I call them and I eventually get through to an agent. I communicated that I would be making an EFT payment and then the agent informs me that it takes long to reflect on their side. This is super bad service and extremely frustrating. I refuse to pay any other additional charges added to my account.