Poor and rude customer service

The service I received from mfc was very bad and poor as a long time client with mfc I changed my vehicle in July 2021 at end of December 2021 I had an issue with my bank account and the debit didn't go through I managed to make the payment on the 10th of January 2022 . Mfc sent me a mail on the Friday before that which I responded to saying that payment will be made on Monday the 10th of January the same week I received another mail saying to contact someone regarding my mfc account only to find out that I was handed over for collection. I spoke to the lady which she advised me that I had to pay extra because mfc uses an external company for collections I then told the lady I'm not going to pay it because my payment was made .I then called the contact centre where I was given the legal department contact number I then called and spoke to a lady which was rude and no help insisted I had to make that extra payment . Is this how MFC treats their long standing clients they just hand them over and expect them to have extra money to pay and all this time Noone called or emailed from mfc .The last lady was supposed to call me back 2 days ago no response. I would like someone to contact me regarding this issue and have it resolved. The account wasn't even a month in arrears and I was handed over because someone thought it would be a good idea to do so.i also can't change my banking details because of this. I've had many vehicles financed with mfc this is the worst service I received from them.