Disappointing, Bungling Nedbank Finance

<p>I purchased a vehicle via Nedbank Finance. They didn't accept my instruction to debit me on my payday, but instead debited me on the 1st of every month, by which time my account would be empty as it's two weeks after I get paid. However, I have managed for the past 3 years to honour ALL my payments, WITHOUT ANY DEFAULT! I phoned them numerous times and they said they would change the date, but never did. This year, on 1st January, they tried to debit my account. Unfortunately there were no funds there, so they started bullying and harrassing me - one default in over 3 years!!! And not due to my fault, but their own incompetence. I told them, and I have a recording of it, that they must debit my account for January on the 13th - they agreed to debit it on the 14th. However, they failed to debit my account, even by the 16th, so I emailed them to ask why they didn't debit me. They asked for my reference number which I gave them. I also asked them to change my debit date for future months to be the 15th. No response from them. I am deepely offended as no one has bothered to phone me or contact me to resolve this issue. I am a trustworthy and loyal client so why do they treat me like dirt and put bullies to harras me telephonically???</p>