Commuter Club woes

JohnWadkin

I'm having a difficult time with Commuter Club. To be honest, their customer service has never been very good in the past few years that I have used them. I had problems at the start of the year, with a new loan agreement for a yearly rail season ticket, when I wanted to change Direct Debit date. They ended up collecting two payments a month - on old and new Direct Debit dates! They insisted this was not happening and I had to send proof. It leaves me wondering how much financial control they have.
Due to COVID-19, back in mid-March I returned my season ticket to Commuter Club and began the cancellation process. They sent a cancellation summary that stated I had only made two payments and therefore owed around £140. I had actually made FIVE payments and they owed me over £500. I sent them an email (they are not answering the phone) to explain this, with copies of bank statements. I had a response back to apologise for the incorrect date on the cancellation summary - the date I last used the ticket. Okay, this date was wrong but it amounted to £40 difference in their favour, so I ignored that and focused on the incorrect number of payments. This seems to have been lost on Commuter Club. I did email them again to request that they refund me the money owed but no response. 
In my email exchange with Commuter Club, I asked for reassurance that the loan agreement with Premium Credit was definitely cancelled. I was concerned that Premium Credit would be chasing payment - I'd not had any correspondence from them to state that the loan agreement was cancelled. Last Friday, I cancelled my Direct Debit and no surprise - Premium Credit are chasing payment, and have charged me £40 for the cancelled Direct Debit. I tried to telephone them but I ended up 39th in a queue. Instead, I have sent an email to explain the situation. Effectively, Commuter Club and Premium Credit are not communicating at all, and it has fallen to me, the customer, to act as go between. I am really worried that my credit rating will be affected but have no means of communicating with either Commuter Club or Premium Credit, other than by email - which in the case of Commuter Club, is taking almost a week before they respond, if at all, and usually the response is not satisfactory. 
Any advice?