Lack of communication and service

I received call a Call today from a consultant informing me that my vehicle installment for the beginning of January 2021 was not paid. In shock I ask the consultant "how?". It turns out that my initial application for Payment relief was "Accepted" ( Though I received no email or phone call to inform me that it was accepted) and that I needed to make the agreed upon payment myself though this has always been debited from my account. This was not communicated to me as I have always paid my account via debit order.

Why did I not receive any follow up communication that my application was accepted? I have no SMS, no Email, no Phone call from MFC in this regard yet I get a phone call to ask why I have not paid.

I am still on short time due to the pandemic and under severe financial strain and I do not have the funds to pay this outstanding amount as I assumed it was already debited from me.

I am really unhappy with the lack of communication and service received from MFC.