RCS exploiting me.

Okay so I took out a 18 Month Game Loan and a 18 Makro Loan which is fundamentally RCS loans. So the first installment October 2022 and the last installment was supposed to be April 2024. Every month they deducted the installment from Bank Account as per debit order. Except last month, April 2024. I phoned them to bring it to there attention that the debit didn't go off. They told me it was a system error on there side, and a new debit date was arranged for the 2nd May 2024. Unfortunately it still didn't get deducted. Then I got a call a week later from RCS that I'm going to be charged late fees for the missed debit order, I argued with the lady on the phone, obviously isn't my fault. But she said it is system calculated and nothing they can do. I reluctantly agreed because I thought it is any ways the last installment and after this it is done. And now again they are not deducting the installment and they are probably going to charge me late fees again. Now this *** must come to an end. I feel like this is a deliberate ploy from RCS to ****** extra money from me by applying a late fees tactic.