Charged for moving my debit order date and don't take one of their ridiculous policies.

Just bought a new car and this is my third car financed through MFC, since buying the car I have been harassed with phone calls trying to sell me these ridiculous policies. This company is terrible, the policies are basically I'll pay R600 odd a month and if I get retrenched etc. and than I don't have to pay for 6 months, but what they don't mention is they'll then add on those 6 months at the end of your finance, it's such a joke.

I need to check my original contract but I accidentally put my salary date as the 26th so they used that as my debit order date so I phoned to rather change it to the first of every month, a simple change you would think, so I get told I have to wait to see if their department will allow the change and I'll get charged the interest for moving the date.