Debtors collector of MFC is rude and doesn't sound like she wants to actually work

Customer service was absolutely poor. Up to today, I have had the greatest experience with MFC, always in touch and always connected. My account is in arrears with a month and I had to make a payment arrangement. The consultant that phoned me was absolutely rude. I asked for a payment arrangement over the course of 3 months and she argued in a very calm tone of voice, so low that I can barely hear her, that they can see there is an X amount in the bank account they want to deduct the full amount, after I explained to her what I'd like to do arrange to be able to get the payment up to date. Firstly, she doesn't give one a chance te speak and explain properly why she is so adiment, Secondly she sounds like she is not in the mood to do her job and wants to leave the arrangement I asked about for someone else to worry about to solve on a later date, which is sad because it reflects badly on the business. She didn't explain why I MUST pay the full amount now, and according to me there is suppose to be alternative arrangements because in case they don't know, there is more than one payment I need to make this month. If she could explain to me why then I would've understood but I got irritated and just said okay that is fine. Since when do debtors tell you you must pay because there is enough money in the account and don't make an arrangement if it is an option(which she didn't even bother to offer or explain if it's not possible) ? That's absolutely absurd. Customer service, actually zero stars. Don't know her name, didn't bother to ask again at the end of the call because I was agitated by the way she talked.