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I made contact at the beginning of the year to request that my vehicle finance be restructured and I was told that I can only do so after a year of having the vehicle. I made contact again in July and was offered a 50% reduction plan for 6 months instead of having my finance completely restructured I accepted this because it would have been sufficient for me. I was explained telephonically how this would work O would pay 50% of my installment. After following up numerous times Zandile Kunene made contact made contact and we finalized this agreement "Please note that your restructuring plan was approved but unfortunately, it was not captured timeously. If tomorrow you are debited the full amount, please kindly inform me and I will assist you by refunding you the difference." The full payment of R20 000.00 was debited from my account last week and I have been trying to get hold of her to refund the balance. I need this done asap!