Handover over for an account that is up to date

To whom it may concern:

I am a Standard Bank VAF customer, I have tried contacting your call center and it rights in excess of 10 minutes and eventually cuts off.

I November I called and made arrangements for my debit for November to be doubled up for November and December due to to the change in pay date to accommodate the public holidays. They did not fulfill this request.

In December they debited me late on the 30 December, the debit bounced, I incurred negative credit score and bank charges for the failed debit. Nevertheless I made a manual payment towards the account, now I receive a letter from MacRobert attorneys telling me the account is in arrears and I must make payment arrangements to avoid repossession. How do we get to legal on an account with no correspondence from the Bank? Also the account is not in arrears.....If you did not allocate the payments that is not my problem....call the customer before you send your lawyers to demand payment.

This is appalling.