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Terrible services .... I have been a client for over 10 years.... NEVER missed a payment on two vehicles.... I lost part of my income .... I phoned MFC for restructuring on my vehicles... the lady was very helpful... Ask me what I could afford ... I asked her can we refinance the cars .... She told me to reduce my installments to R1000 each ... I was very happy ... would help me a lot ... BUT waiting for that was not the final answer.... I have to go through approval... the sad part, is not even 5minutes later I received an email it had been declined .... ON WHAT they declined it - I have no idea... Accordingly to MFC, I have to contact DEBT Collection at the MFC department ... will MFC help me when I go the ******* way - stop paying my installments???????