MTN incompetence

I received a message from MTN that i am due for an upgrade so i called MTN direct and they confirmed that i was due. So i wasn't decided on the phone so i decided to do the upgrade in store. I went to their Kokstad branch and they confirmed i was due for an upgrade and i did the upgrade in store and my bill was now R1437 with insurance

After two months they debited more than R2840 when i enquired at the store i was told i was incorrectly debited and they did a query to reverse it. When i called MTN direct i was told its because i did an early upgrade. Then i told them i received a message that my upgrade was due and was never informed that it's an early one there will be a penalty. Went back to the shop i was told its incorrect billing that will be sorted.

Since April MTN sometimes disconnect me. I was once disconnected during an exam and all that i had done could not be retrieved. I also have data contract. So i have been querying endless time and even speak to the Managers for MTN direct. They continued debiting double my installment and i would reverse. I enquired if this will not affect my credit score and they said no it will not. Last month my Credit score dropped by more than 25 points and the reason MTN said i missed a payment. I couldn't believe this after all this up and down and calls being promised that the incorrect billing will be sorted.

I was disconnected again and went to the shop and was told they will sort the billing but they need to note in the system that there is a payment plan for a later date. By that date it will be corrected. Recently MTN debited that R1440 that i was told it will not be debited. There were no sufficient funds in my account and FNB charged me a Penalty of R255. Now i was in the process of applying for a bond and the bank is now declining because of this MTN mess

I am just pressed between a stone and a rock and my credit record being affected on the way.

Now my insured phone accidentally dropped where there was water and i submitted it to MTN on the 23rd of July for damage assessment when i checked on the 6th of July it was not yet picked from the store. Today 6th of August there is no communication but they expect me to pay for the full bill at the end of the month