Very bad services

Very bad service. I normally make payments via my nedbank app and suprisely they couldnt see my payment for the month of August after all these months I have been making payments the same way. I have tried getting proof of payment from the bank which I sent them just because the document doesnt state which bank it was paid to the dont take it to heart to communicate with the bank to make sure payment was made. No they dont they jump and send me smses saying my account is in arreas n insurance has gone up worse they go ahead and put false information on my credit record.they are telling me I must go to the bank and get proper proof of payment that means I have to register for online banking now I want to know how is it my fault their sytem failed and who will give me my money that I will use to go to the bank also money for registering with online banking. When your store had an agreement of clients paying online did you not come up with a plan how to find payments that are not reflecting on your accounts. My makes me more angry is the only thing you will do is appologies but never refund me.I will make sure all our stokvel member close your accounts and will never use your service as you dont live up to your promises