Appalling customer service

I have a personal loan with Woolworths Financial services. 1stly they conned me into taking a drop down on my loan which they for some reason with out my knowledge or consent put over a period of 60 months. Then last month, they just never debited my bank account. Strangely yet again no contact of any sort was made by Woolworths. Only to receive a email on Tuesday the 16th stating that my account which has never ever been in arrears, is in arrears now. I have spend 3days on the phone with them. Being send from pillar to post. Empty promises. Not a single call was returned as promised on 3 separate occasions by Woolworths finance or Woolworths customer services. I am disgusted by the way in which they treat loyal, and paying customers.