Unfair treatment

I don't understand how did MFC train their people i have a short fall at MFC and the last SMS i got from them was telling me i will be contacted and Thembi Thamane she is the one who will arrange with me how much will i have to pay per month i was waited up until i've got a phone call from the Attorney telling me that MFC handed over my account to them i was like really i've never get any call or Email from MFC to discuss as they said ...wow MFC is treating people like idiots because i believe if you 've tried to call me and you didn't get hold of me you should send even a mail or try that person the next day you can't just call me now and if you don't get hold of me you 've just decide on your own ,...that's unfair really...