No debit order date on my account and no pre agreement received

I have been using Standard Bank for more than 13 years and I've never been so disappointed. I was offered a loand in October and took it and a debit oder date wasn't filled in their system and I was surprised it was going on the agreed date. I have been sending emails without assistance and now my account has been taken to attorneys and is now affecting my credit score. Who's fault is it anf who's suffering now? My future plans must be destroyed because of someone who chose to be ***********? I've never even received a pre agreement on the loan I took. Please can my account be removed for the lawyer and debit the amount please. And please can my account be loaded so I can manage it via app and make necessary deposit when needed.