Absa Vehicle Finance ****

I am in arrears by one month on my vehicle finance installments. Friday 31 May 2024 I get a call from Absa Collections department demanding the arrears amount, I told the lady I spoke to that I don't have the money and I asked her what my options were if I don't want a negative mark on my credit report, she told I can ask to restructure the terms of my loan so I asked her to send an application to restructure. She said if my application for a restructure is approved I will get a call from Absa to explain the new terms and how many months will be added to my term, she said I will decide if I agree with the new terms before they can be implemented. I never got any calls from anyone, on 15 June 2024, I got a letter of Notification of Change to my loan term, I have 13 months outstanding on my loan, so this letter said they will be pushing the arrears amount to the end of the term and add another month to cover interest, bringing the outstanding months to 15. I was okay with this, as it brings relief for me and the installments was also reduced by about R200. Now yesterday 18 June 2024, I get another Notification of Change letter, no one from Absa has called me, this new letter is adding 2 more months to my loan term, bringing months outstanding to 17. Now for one month arrears Absa wants me to pay 4 month's worth. I called in and I was told it will be fixed, it was a mistake. I will come back here once it's fixed.