Bad service, calling me 3 days to refinance a balloon payment when my installment is due in 3 days

My balloon payment is up for renewal and I get called a few days before my contract ends on the 15 June, my debit order is due on the 20 June, 5 days just before my debit order is due I get called to do the financing of the balloon payment, 5 days is not enough to sort out refinancing, I am not sitting at home waiting for Wesbank to call me, I work and I am in meetings and I am busy as well, I have had to walk out of meetings to be able to go through the refinancing with Lindiwe Ratlebyane, I want the maintance plan added, so she had to get the insurance to call me to try and sort it out, and the insurance persons line is so bad, I cant even hear her, all this is taking time, you cant call me 5 days before my installment is due, mind you weekends are included in these 5 days, and now the collections and arrears department is calling me from all over saying I am in arreas, when this is not the case, can Wesbank please sort themselves out, and if my credit record is effected by this, I will be a very angry customer, because I have never defaulted in my life, this is really bad service, how do you wake up a few days before a persons finance is due and then decide to do the refinancing and then make it seem like my account is now in arrears