Payment arrangement -Force client to pay

I am highly discussed with manner in which my case was handle by call center agent. I have defaulted on payment and needed to make arrangement. After I advice agent cannot afford to allow double debit she than reply cannot reverse system already allocate double debit. Question : since when does consumer not have rights and since when does a system decide on your financial obligation. FORCE to client to make commitment beyond means is absolutely wrong... I wish I can close my session with NEDBANK \MOST REDICULOUS BANK ONE CAN DEAL WITH????!!!! Will be raining if someone at least respond to my report. "