Warning against financing with Ford Credit

I have two Ford Rangers financed with Ford Credit . I requested a settlement in June for one of my vehicles which I the duly settled in full end of June at an amount of R114500K and alerted Ford Credit on Email and Telephonically. I did a stop payment on my July installment. I received no settlement letter followed up and was told that it will be issud before end July. On 1 August and noted another installment deducted which I was unable to reverse. When I made enquiries I was told that the settlement was never captured and that they refinanced the vehicle because it was a residual amount. This was done without my knowledge Now I am struggling to get more than 6800 back. Then worse thay send me correspondence that I now need to pay another R2900 to settle the vehicle which is interest on the refinanced amount which I do not owe in the 1st place as the vehicle was settled as per their settlement letter in June. So Ford Credit is wanting to embezzle a quick R9000 from me. Imagine they do this to 100 clients a month they will get R1M per month or R12M per annum. I find this dishonest. I intend complaing with the bank ombudsman and report their conduct to the reservebank as this is bankmalpractice. If their was a easy way I would move the finace on my new Ford Ranger to another financial institution.