A good relationship that turned into a nightmare

I financed my vehicle with MFC, April 2021 I planned to settle my car and even pay the ballon payment of R78000. I called and I was given a process to follow for settlement, which I did but to my surprise MFC after I settled my account and emailed proof of payments they debited my bank account, when I called them I was told it would take 14 working days to refund me, for that month I had debit order rejections with my other accounts and a negative balance with my bank ( this has affected my credit score) the debit order was reversed with assistance from my bank and I was able to pay my other accounts, I was billed bank charges of R1327 I sent my bank statement and requested a refund as this was due to MFC debit, they assured me this will be refunded and gave me a tat of 14 working days, still today this matter has not been resolved, I have emailed *** and *** with no luck I call every week and I'm told this matter has been escalated. I have never missed a payment with MFC before and I'm so sadden by the treatment I have received.