Unfair treatment

I have a contract with ABSA vehicle finance which was supposed to end by the end of January 2019.

And I have been paying all along through debit order and you decided to cancel my debit by the end of December 2018 which resulted in you not debiting my account end of January and my account is arrears with R 3041.00.

Now the funny party is that my account which is in arrears keeps on growing every month why? because you went and calculated a residual without communicating with me at all.Nobody has ever contacted to discuss how I am going to pay the residual.and I do not have a new contract stating that I will make a payment of the residual every month.

What I know is is that I am in arrears of R 3041.00 which I will pay with interest by the end of march and that is when I will make arrangements on how I will pay the residual.

I do have a right to be called and discuss the residual and how I will pay it,I do have the right to a contract that I need to sign and agree that I will pay this amount every month.

I am going to request you to write off what ever the amount you claiming that I owe because I do not know where does it come from and who gave you permission to calculate it with communicating with me.

I would gladly appreciate if you can give me a call and I need someone who understand because I tried speaking with the call centre and they do not understand me.