Dishonesty in a Settlement Amount

We have been attempting to secure a settlement figure from Marquis Finance for a car registered on my husbands name but I was the primary driver on and paid deposits, etc. We received a Settlement letter but this letter is just the outstanding balance on the account. We are settling 3 years early and the deal was under R250,000 which according to the NCA does not accrue penalties for early settlement and interest should only be charged for the period of the agreement having been in place.

We have spoken to no less than 5 people in the last week original letter was secured on: 26th March 2025. They do not understand the term pro-rata interest and the recalculation of the settlement making use of this principle.

By law, we can not be held liable for interest for the full period of the agreement if we are settling 3 years early. What is so difficult to understand?

The other thing is they have been dealing with me the whole week with my husbands consent including on email, but today again they can't deal with me telephonically, as I'm not the account holder. Then they want us to complete a 3rd Party form with lots of private information that can be misused. Do you not understand Marquis Finance, we want to end the relationship not provide you more information?

This is ridiculous and is being taken to the Banking Ombuds (NFO)