Uneducated personnel, Poorest Services,

What a horrible experience I've had for the past year and ongoing, I've skipped a payment due to the sales person on my car installment because he has misinformed me of getting a loan and not having to pay for the first month, unfortunately 6 months later I've learned that I'm in arrears, made a payment inside the bank exactly a year ago, and these people phone me non stop, where I have emailed, my deposit slip and they fail to allocate the payment, which have now gained interest. Bunch of uneducated personnel or staff working, whenever you enter the branch in SWest, they place you on the phone and you end up repeating the cycle which is endless and stupid, is there anyone in this industry, that can allocate a payment that was missed. Because of this stupidity I cannot get a settlement letter to get rid of this services. I will never ever refer Standard Bank. Please GOD guide someone to allocate a missed payment. Hopefully a prayer may hrlp.