Mercedes benz car finance service repossess my car

<p>December 2015 iv missed my instalments due to a ***** that happened on my account. Iv send an email explaining my situation and promised to repay the outstanding amount. End of January the Mercedes benz financial services debited more than R10000 on my account and my fincial status got out of hand. Iv missed several instalments on my other accounts and as a result they ended up taking more than our agreement on my FNB Account which again affected my monthly instalment with Mercedes finance. I missed 1 instalment and i promise to pay them an extra R1272 which will make my instalments to R6500pm and they agreed.</p> <p>Because my account at Fnb its affecting them to get their instalment i decided to change their debir to my Capitec savings account. Iv forwarded them an email informing them of the account details changes and i got their automatic respond that they will call me within 24hrs if im not mistaken. They didn't call,i called their customer service and i was told that they didn't get an email requesting me changing accounts but promised to double check and get back to me. I got paid on the 27th of every month and i ensured that the capitec account have R6500 on the 27 of June 2016. 10 working days passed but they did not debit amount was not taken but they only took R175 which was not communicated with me. I called the Mercedes finance and they told me that my new bank didnt allow them to debit on my account they then adviced me to go and speak to my bank. I ask them why did they keep quiet the moment they experience a problem with my account but they didn't give a valid unswer. I was hands tight at work so i called Capitec bank they told me that it was not allowed because their debit limit was R5000 and Mercedes requested more than that. I wrote an email back to Mercedes and told them that the better way its to debit twice to get R6500. The lady by the name of Lettie Makhuvhele from Mercedes finance called and told me that i should consult with my bank as Mercedes finance have other customers that uses Capitec and they pay more than R5000 with no problem. The following day i went to my nearest branch and they were surprised of such limit of R5000 but they were suprised that Mercedes tried to debit the R6500 from my account as there was no record of such the only record they have is of R175,00 only. Me and the bank consultant tried to get hold of Lettie and she explain that they were not able to debit because i have blocked my account but the consultant explain to her that on my cellphone banking and on my account there is no report saying i have blocked the account. I then told hee that the Mercedes fanance must try again to debit but i also explain to her via email that the only amount they can get will be less by R175 as it was already taken and i also ask if they didnt make a mistake and debited at FNB as i have blocked them to debit on that account, she said no and said my banking details are already with Capitec. I couldn't understand the blocked account as its a new account created for only them,so how could i again blocked them. She told me that she will speak to her manager 1st then she will get back to me about paying R6500pm. She never got back to me and i waited. On the 27th of July normal instalment of R5280 went through from capitec bank and 3 days after the R1272 was also debited by them from Capitec account. 2days afterwards i receive a call from debt collectors asking me to pay the outstanding R10300 asap or they will uplift/repossess my car. I told them that i already made an arrangement and the already debited the amount i said i can afford. They said they will give a call to Mercedes benz financial services and they will get back to me. They got back to me today on the 04th August 2016 and said the Mercedes benz financial services handed my account to them because they couldn't accept my request,i ask them why didnt they talk to me 1st and give me the feedback they said they dont know. I emailed Lettie emmidiately and she told me that she is not responsible for company policy and she cannot change it. The debts collectors said im in errors with R9000 now because i have paid the R1272 and i have to pay it today or they are repossessing my car. I told them that i dont have such an amount today i can only make arrangement to pay the arrears in three months. They said they need money today. I do not have the R9000 but im willing to pay it in instalment if agreed or i can make sure that on the 27th of August i pay the full amount still they refuse and said they will send an agent on Monday the 8th to my house to repossess my car. Please interven as i dont want to loose my car and im willing to repay the errors in full</p>