Failure to do their job effected my credit record

I had my finance through Standard bank. Got into a Car accident and had my Insurance companies pay them out. They couldn't find the payment for 3 weeks even after I called them every 2- 3 days after payment was made as they said it would take 2-3 days to reflect on their side. Once I finally got the shortfall letter, they kept sending the incorrect documents to the insurance company delaying the process by 2 weeks. This has now effected my credit record. So unfair that I have to pay higher interest rates because they cant do their job properly. I also don't have transport as I have to wait for the full payment to clear on my name before getting a new car.