BAD SERVICE

Hi,<br> <br> I n February I took a loan with Standard Bank and also agreed to open an account with them they moved my debit orders and gave me a letter to give to my employer which I did. The end of February they did not debit my account , I phoned and asked why they said no they will do it end of next month. In March yet again they do not debit my account while money was in my account and they did not take it. Then I get an SMS's saying they did my account is overdue how when you did not take the money. I called your call Centre and a Patric said its fine I will start paying end of April they debit the account now another sms saying my account is overdue. How and why is these my problem as you did not debit the money. Please make me understand why my credit rating is threatened by your error. Why do I have to pay for your error.