Worst experiance and service ever

Capfin is the worst than I though, I will never ever use their services again nor refer anyone. I'm on a verge of buying a car that is currently selling very low. But I get declined because of Capfin loan that I paid on the 20th of Aug, and 7 days later account still not closed, have not even received my paid up letter. I have since been calling in and talking to different consultants telling different stories. I did and EFT from my online banking and even sent the proof. For some reason I'm being told that they their system says it was a cheque deposit that I did and they must wait for it to clear. I do not even have a cheque book to start with, why is the system picking up a cheque? I also over settled which means I was over quoted the settlement because one of their consultants sent me a statement of account showing a refund of R248.52, and yesterday I spoke to Zukisani at 11h00 and he confirmed that my refund should be R248.52, but they only refunded R51 this morning, but still the account is not closed. If you waiting for a cheque to clear why process a refund, what guarantee do you have the cheque won't bounce? Plz refund the other R197.52 and close my account today. *******