Complaint!!!

**** **** **** ****! **********!! THESE PEOPLE DEBIT ME SUCCESSFULLY EVERY MONTH NUT EVERY MONTH THEY SAY THAT I AM IN ARREARS, NO ONE PICKS UP THEIR PHONE WHEN YOU CALL, THEY'RE AFFECTING MY CREDIT RECORD, I CAN'T REVERSE ANY OF THE DEBIT ORDERS TO THEM, I STILL DON'T HAVE PROOF OF THE LOAN THAT THEY CLAIM TO HAVE SETTLED FOR ME AT STANDARD BANK NEITHER DO I HAVE A WRITTEN CONTRACT WHICH I AM STILL WAITING FOR!!!