Shocking accounting and payment allocation

On the 19th October I made an extra payment of R2500.00 on my Mobicred account with the understanding that this will be credited to my account thus reducing the amount owed. The website and the email I received from them regarding the non allocation of my payment states the credit will appear on my account in 2 days. It also states that this credit will increase my credit limit temporarily. The payment will not reduce my account balance. This is wrong and not fair accounting practice. After emails and phone calls to Mobicred my R2500.00 payment has not been credited to either the balance on my account or increased my credit limit. 2 months ago Mobicred duplicated my debit order and debited my bank account twice for the same amount in a space of 2 days. I battled to get a credit for the 2nd debit and eventually had to approach my bank to reverse the second payment. I am extremely disappointed with their accounting policies and being forced to have an increased credit limit instead of a credit to the balance of my account. Unless this matter is sorted I will approach the Consumer Council