Frustrated by incompetant MFC staff

Incompetence staff at MFC. I'm was pregnant and due in June, in March I contacted Nedbank/MFC to inform them about my pregnancy so that I can apply for a payment holiday which they(MFC) informed me that as their va**** client with the second financed car i qualify for payment holiday. I contacted them that I going on maternity leave at 1st of May 2025 and I need a payment holiday. They told to contact them in may when I'm in maternity leave. In may i contacted them, they told me to send relevant supporting documents(confirmation pregnancy letter from my employer and my doctor, bank statement) via email which i did. The reply was 'they can't open my documents, I need to send a PDF format documents which I did the very same day. From there on no one ever contacted it was me who contacted them to inquire if they've received my emails, each and every consultant i find would tell me they can't find my emails and I need to send them again I did that from June to August. It's September now I'm on unpaid leave and they're calling to collect, when I tell them about my payment holiday application they (each consultant) say they can't find my emails and I need to send them again. I've sent numerous emails with the same documents at their emails(*** / ***). I even told them that during my unpaid leave I can afford to pay R5000 which will be running for 2 months but they keep debiting the original R7600 which resulted with zero funds in my account. At the moment I don't have money in my account and the debit have bounced. I'm frustrated and exhausted I don't know what to do from here, when I see their call I get frustrated because I have to explain myself over and over again to each consultant calling.