Review Incompetence

I signed up with PF last year, I was helped by an employee who clearly can't follow certain procedures as to confirming personal details with a client, had to go through this certain procedure 3 times due to "poor internet connectivity", where only 2 out of the 3 times did he confirm my details correctly, the third he didnt even bother to show me if everything was correct, basically all that he got right was my first name and cellphone number, besides that my debit order details were taken incorrectly and now i have been arguing for the past few months with their Lawyers/ Debt collectors..... My question is WHY SHOULD I PAY FOR SOMEONE ELSE'S INCOMPETENCE!!!!
In these times, i most definitely cannot afford what the are asking me to pay