*********ing and threatening clients

I opened an RCS account, payment via debit order but every month there was one issue after another why the debit order did not go through. I had to confirm and re confirm my banking details over and over again but the problem was never sorted and I got more and more behind in payments. Eventually I made arrangements to just go in each month and pay R500 at a participating store. Which has not been a problem. Every month I get a phone call where they try and convince me to rather pay by debit order every month I explain why i rather pay cash and every month i pay before the end of the month on the last Saturday or Sunday as I work in the week. Today I got the same call only this time I was told I can either pay by debit order at a reduced rate of R300 and something odd rand and my file gets handed back to RCS or if I don't I will be handed over to legal attorneys and be liable for the full settlement amount and legal costs and my payments before the end of the month is also all of a sudden now too late I need to pay before the 25th or pay additional penalties. I said I would keep paying R500 but not by debit order it will be cash as it has been for the past 6 months then I got threa