I'm not happy with the first that the company is ruining my name with the credit bureau I've made payment arrangements with the for the past 2 months and they have decided not to take the full amount that was agreed upon on the call and 3 days later after the payment date they send me notices that I have not adhere to what was agreed upon while its on them they are the ones who didn't go to the account take what ever money that was agreed upon I'm so disappointed and disgusted because they are doing this to benefit them they want to charge late fees I mean we are still recovering from the mobths we were out of job during lock down this is an inconvenience that we cannot afford can they stop doing this it's not acceptable I won't be paying any late charges I swear they will have to show me the proof as to when they tried debiting me it doesn't even show on my bank statement I'm not a fool I will be going to the branch to pay off the first balance and close the account because I see what they are trying to do I know my rights bellow are the statements as you can see the agreement and what are they taking out from the account monthly for the past two months November and December they are ConnectFS