Do not finance your vehicle with Nedbank - MFC

Never finance your vehicle with Nedbank - MFC until you hear my story. 1. My name is Ms. XT Zwane ***, I finance my Renault kwid in 2018 with MFC. The car was involved in an accident and was written off. My insurance paid for the car and I had to pay for the credit shortfall, which was paid in full. 2. Nedbank- MFC never deregistered the car in my name with the Department of Transport since 2018 and they still have the original papers of the car which they refused to give to me, so that I can deregister the car myself. 3. I have been calling them and sending emails without any success. 4. This matter has caused a great inconvenience on my side since I cannot pay the license for my other car without first licensing the kwid. 5. Since 2018, I have been paying for the disc for the car that I do not have so that I'm able to get the disc for my other car, now I cannot as I do not have the money. 6. I called them in February and stated that I will escalate the matter, this is when they responded and I told them that I have to use public transport now with my kids to school in public transport. 7. Today, they are coming back to say that I must pay for the disc so that they can assist me. How can I pay for the disc for the car that I do not have since 2018 and they were supposed to de-register the car in 2018 and they never gave me the original papers for the car, so that I can de-register the car myself with the Department of Transport if they do not want. 8. The matter was reported to them long time ago before the disc expired in February 2021 and they did nothing. So, I must pay for their incompetence? That is very unfair.