poor customer service

i have been paying my mfc account via debit orders for 3years and i constantly keep having problems with them.this is the 2nd month they keep debiting my account and crediting it the next day leaving me to pay for all bank charges .last minth i was left with over 700 bank charges plus the double debited me..after speaking to someone over the phone they credited me R1200 yet they debited 1500.my problem is no one is willing to assist me after calling 5 times today they kept refering me to some1 which my call then gets disconnected.all i was trying to do ia make payment but yet if i dont pay them they will come to reposs my vehicle yet not knowinh its their disgusting services that payment is not made.every month i query i get told someone wil get back to me yet they neva fo?low through there queries because they too lazy to check there systems.when i speak to someone higher they say they do not no y this an that making poor excuses like its my fault.i had to run up an down getting bank statements to rectify there mess up!not once did they apologize or say they wil make sure it neva happens again.its an ongoing poor service ftom Mfc an im quite fed up an i am willing to go further.