MFC make covid the client's fault

My 2nd review in 4 months. Really not happy with MFC at the moment. I notified them a few ago to change my debit order date as my salary date has changed since November 2020, but this was only done today (5 March 2021) after they send me threatening emails about how in arrears I am and that action will be taken. Again, no one at MFC does their job correctly. And because of this, my credit rating is affected and I cannot get vehicle financing anywhere, including MFC who are partly the reason for the credit score. And taking a payment holiday with my bank last year due to covid and not earning 100% of my salary has given me a bad name and bad credit score to open accounts and most importantly, get a new car. Even after getting a new job and being employed for 4 months permanently. Please fix this because it's unacceptable. Covid is not the client's fault.