Disappointed

My debit order for February bounced back as a result of extra medical costs after giving birth. I made a payment arrangement with them and settled my account as discussed. When making this payment arrangement the consultant did not make me aware of the additional penalty fee I had to pay as a result this month's debit order bounced back as I had drawn up my monthly budget for my investments around my normal debit order thus meaning I'll have another penalty fee to pay and worse off it creates a bad credit record for me!!