Overcharged

I am writing this with frustrations since nothing seems to be working even with their resolution centre department. I have been on the call from 9am to 11am this morning and when I decided to call complaint resolution department on *** then their consultants were sending me from pillar to post with lodging a simple complaint till I ran out of airtime. So I have a vehicle account with SB and they had been debiting every month except for October then I called and was advised that there was a system glitch so I need to pay manually and if it happens again end of November then on the first of December I should do the same(paying manually). I did indeed pay for October and November manually then December the debit order resumed. From December onward the debit order had been going off without problems. Now I am receiving messages from the attorneys saying I need to pay immediately. When I call their collections department and Vaf department they say they don’t have the answers for me I should talk to attorneys. All I need to know is how did my account get to attorneys without SB calling me to notify of the arrears, how am I in arrears all of a sudden? So with the VAF and collections department not having answers then I decided to reach out to you after being on the phone for 2 hours without given an explanation rather being sent from 1 consultant to the next with all of them not having answers as the only people I should speak to are attorneys.