Bad Service

we bought a new Vehicle through MFC last year, firstly we had to phone them to get the contract from them so that we know how much our premium per month will be??? we have two vehicle's through them and we pay both into the same account number (FNB) a month later I recieve a call from a debt collector that he wants to know where the vehicle is because he wants to re posses it??? I phone MFC and ask what's going on, they haven't received payment, I email proof of payment, then i get told I used the wrong bank, they are Nedbank and not FNB, I have to go to FNB and trace the money, FNB tells me but it is their account and they can see the payment on the system!!!!! Eventually we sorted that out. I get a call again this week from the same debt collector for the same vechicle, telling me we are three months in arrears he wants the vechicle!! I go and look and realized somehow we missed one month last year, we are one month behind not three!!! Nobody phoned me to tell me listen you missed a month!!!!! its unacceptable, and this is the fouth vehicle be buy through them, really!! this will be the last vehicle we buy through them.