Staff says they will do things to your account tha...

Staff says they will do things to your account that do not ever do so making you call 3 times to get the same job done. I was late once for a payment and in about 2 weeks they sent a letter threatening me to call me to court and expecting a payment of over 1800 in advance for the year to come instead of instalments on the same day as "punishment" to my couple of weeks late payment . Now , 3 months after I closed my account with them and expecting the refund of over 900 pounds they force me to pay in advance , I have still not received any refund !!! . So the council feels free to threat you for 2 weeks delay on a payment , charge you for an whole year in advance and then feels free to keep your money for as long as they want as we have no rights what so ever !!!
Council is a government body and behave by breaking any person's right !!!!