Bad Customer Experience

For my first installment, already there are issues. As per MFC, the collection date for my account is the 29th of every month. Today I received a call from Gugulethu Bogopa (not 100% if it was her but she did say that I will have to call her anyway) who firstly tells me that the call is about the car I bought. Upon asking what seems to be the problem, she informs me that I need to confirm my details first. Note that for the past month, I have been receiving sales calls about MFC VAS products which irritated me. Upon informing Gugu of this, she still insists that I need to confirm my details. Upon declining, that is when she tells me that I will get an sms which will indicate the reason for the call and that I will call her. Upon receiving the sms, to my shock MFC states that my first payment was not received and that I have been handed over. On top of that, I will be liable for a collection fee of R509 - HAIBO. How when money was deducted from my account.