Direct Axis will milk you for all the money they can they dont care about customers

Back in April 2019 I was going to go overseas for 9 months and prepaid a number of loans as my bank account was going to be frozen for the period I am away. Direct axis manage both my sanlam and direct axis loans both these loans were PREPAID ahead except for the final 2 or 3 payments. I came back early from overseas and requested that these amounts i prepaid be refunded to me as i am not back to complete the normal way of paying. I WAS REFUSED. Telling me that I agreed to terms and conditions I never signed for neither can recording be produced that states if I prepay I cant get refund and with me distinctly agreeing to such terms. This matter is to be reported to the Financial services board, credit ombud and the consumer council. This is highly ********* ********** behaviour, to top this off I am now asked to pay for the period I actually pre-paid for back in APRIL 2019!