Hand over status

I took a personal with standard bank in Octogber first installment was supposed to go off in November but I called the bank to let them know that I'm not using Fnb anymore so they must debit my standard bank account, the consultant I spoke to said they can't as per the agreement the first installment must go off at standard bank..well December installment went off at standard bank,, January they didn't debit I took the initiative to call them and find out why I was told that maybe I have a payment break I said I never app**** for one..I was advised to make a manual Payment of which is I was in venterstad and there's no standard bank there now I'm calling them to make arrangements and I'm told that my loan is handed over because I didn't pay January whereby in called them to let them know I've changed banks now it's my fault that they didn't debit