poor service standard bank VAF

I am a young black responsible woman, whos still trying to make a good name for my self, I bought myself a luxury car last financed by Standard bank which I ensure I pay on a monthly basis, I opted to do an EFT because Standard bank never debits the installment even after numerous times. I call them with my money to implement a debit check, they do but never take the money as agreed. I use my money to call them everymonth to see if the money paid via EFT has been allocated to my VAF account, I was so hurt to see that they put arrears on Experian and traunion, and I called them ref ***. I was informed that thier new system has issues and the incorrectly listed my name. To this day they have not resolved, my credit score dropped drastically and we in a process of a home loan with and this could be a disadvantage for us... I am so hurt I dont know what else to do.