extra fees every month must pay for their mistakes

Good Morning recently every month their is extra fees of R99 but I asked them to change banking details they didn't then I went in every month to pay cash they told me it is fine if I pay cash I feel I must pay for their mistakes I ask them every month the installment why after a few days I must pay extra money the branch closet to me is Three rivers but worst service ever .<br> The next issue I have my phone went in for repairs last year about November I have insurance and pay extra for that as well the request was declined first they lost my claim form no reasons can be given why I did went in their excuse were they called me but I didn't answer the phone was sent back to repair outlet still I have no phone I'm fed up if they can get my phone repaired and back to me or the same model (Samsung J5 ) between three rivers branch and the repair centre I want this problem sorted out I'm loosing money every time at work I must take off to go in . regards <br> WJ Jonk