Failed payment system!

We’ve been using their debit feature for years, up to date with payments and then it all went wrong. For some months there was no debit and we were not aware of this because we’ve let it run itself for years. They handed us over to debt collectors without our knowledge and charged us for the handing over fees. Can’t trust that portal, it’s quite risky. They can double debit in a month after skipping a month without you doing anything to action that.