Debit orders loaded without my authorization

I am in a dispute regarding a vehicle that was bought through MFC, the car has given me nothing but problems from day one and i requested in the beginning for a refund or a replacement car but was denied by MFC and the dealer. this has resulted in the car costing me money for repairs and now the engine has given in after 30 000km and under 1 year. i cannot get another engine for this car as it is a SEAT Cupra and was discontinued. i have sent in complaints to the MIO and MFC and National consumer counsel and Equestria (insurance) and no one wants to assist me and say i must pay. I cannot afford to pay for a car that has lasted me less than one year and to pay for the next 4 years for something that cannot be fixed and after 28 pages of complaints from when i got the car now i must pay. i have informed nedbank and mfc and a call center agent keeps on harassing me and guess what he loaded debit orders onto my bank account without my authorization for outstanding amounts and this months payment THIS IS AGAINST THE LAW!!@!!!@@@@. i have informed Shawn Fillander from MFC to repo the car as i will not be paying for the car and he just ignores me.,. who is going to pay me back ?????