Vehicle finance Dishonest Abuse

I have sold a car that was financed by absa through their system Fast Buy I had a shortfall of R5220.92 and was given a 40% discount for the settlement which left the balance as R3132.55 which was further broken down into 12 installments of R330.05 total service fee R828.00, total repayment due R3960.55 Absa debited my account on 22 December 2020 as usual but the debit order was for R793.32 On the 22 January 2021 no further debit orders I got worried contacted absa vehicle finance they tell me my account has been sent to collection, called collection they tell me my account has been send to Legal department I asked why there hasn't been any communication on my site from Absa VF but the account been handed over this is very costtly, time consuming I'm disappointed this poor service I have got from their team now they want to ruin my credit record which I worked very hard to build up.