complaint

An Agent call me about my account when i try to get more information & i ask her to speak Xhosa language so that i can ask more question about my account because i have an issue that is not resolved yet about the account . she hung up on me . On the 30/08/2015 Agent keeps on Harrassing me with phone calls telling me that they never received a payment i asked when did they checked on my account to find that there is no money agent says 3 days before end of the month whereas the agreement says the monthly payment will be deducted last day of the month. anyway i told the Agent there is money on my account u can deduct she told me its too late . what i dont understand is that July & August payment was deducted the last day of the month. Anyway the company sent me an sms saying that they will deduct R347.71 whereas my instalment is R287 some cents. it is not my fault that the company did not deduct on the last day of the month why must they charge me extra. the consultant do not wanna listen when i try to explain that i receive my salary the last day of the month why must i receive calls that says there is no money into my bank account 3 days before the last day of the month. I AM SAD