*****ing me over

<p>I had an agreement of R 214210.90 (including the interest) with MFC, original value was R130715.46. first instalment was in Sept 2014 (28 months later) my car is written off, I request a settlement letter, the settlement letter amount is for R131548.44 (which is more than the car value) so I request a transaction history report, where I see that they have added an additional R 40439.53 (they said it is because there are more months added) to my vehicle finance as a restructure debit. I enquiry this because I’m under debt review they just added it. Not to mention that was never mentioned to myself or my debt counsellors (not on the instalment / outstanding agreement they sent). My insurance paid them R110955.00 after my car was written off, so I requested another settlement letter which states that there is an outstanding balance of R 93475.72.</p> <p>If I work out what I have paid (R64334.23) the insurance paid (R110955.00) and outstanding (R93475.72) MFC expect me to pay R 268764.95 for a R 214210.90 (interest included) Which I should only pay 28 months interest and the R 40439.53 should be credited because I am not exceeding my 72 month agreement.</p> <p>I have spoken to 3 people have emailed 5 people but they are still convinced I’m wrong and they right.</p>