HORRIBLE SERVICE AND UNFAIR CHARGES

I spoke to their staff member over the phone on Monday, who told me to rather send an email with proof so that I can be assisted quickly on the same day of which I did as advised immediately... 2 days later, I received no response from them then I followed up but this time via their chat window on their website and was assisted by Londiwe Zungu who tried to explain their T&Cs that interest is charged a day "AFTER" your due date. My due date was 27th August and there was money on my bank acc, 2 smses were sent on that day and 1 the following morning at 10h07 saying they charging penalty... I ask how am i being charged a penalty if on the same day my instalment is due there was money. They now say my bank declined the debit order... so I must pay for something I do not know? As for double debiting my account with different amounts in the first place with no explanation nor sms is also ****ing me off. Now im being told to send another email to the same email address that they do not attend to. This is not the first time i'M BEING *****ED BY PAYFLEX... BEGINNING JULY PLACED AN ORDER THAT NEVER ARRIVED BUT THEY TOOK MY MONEY, WENT TO THE STORE TO CHECK MY ORDER AND THEY HONESTLY DID NOT KNOW ANYTHING ABT IT. CALLED PAYFLEX, THEY SAY THE ORDER WAS NEVER SUCCESSFUL AND YET THEY SENT ME AN EMAIL THAT MY ORDER WAS PROCESSED WITH MONEY TAKEN FROM ACCOUNT. i SHOULD HAVE LEARNT THEN COS THIS IS THE 2ND TIME IM BEING *****ED OVER. i HAVE NEVER HAD A PROBLEM WITH PAY NOW... PAYFLEX IS NONSENSE.