The first question you asked: Can the company be responsible for the credit of the bank? In the repayment agreement signed by the bank and yourself, you can only be responsible for the bad credit caused by the failure of deduction due to insufficient account amount. The bank doesn't care whether you haven't been paid or your money has been stolen. It only cares about whether the result and the deduction amount are correct.

The second question: You want to leave your job, which is the legitimate rights and interests of workers. According to the Labor Contract Law, a company can leave its job at any time if it is in arrears with wages, and can apply to the Labor Bureau for arbitration. If it is true that they are in arrears for a long time, the company will break the law and you can get paid for your work. According to the above situation, I suggest you two things. First, you must try your best to save enough money for repayment and avoid bad credit. This will have a great influence on you in the future; Second, apply for labor arbitration immediately, safeguard your legitimate rights and interests, and consider changing to a new unit that suits you.