Irregular Accounting used to repossess clients vehicle

PLEASE do not go through MFC for vehicle finance! I have been in dispute with MFC since May 2024 regards to my record of payments vs their records to confirm the balloon payment amount. I requested a full detailed statement as I do not receive my statements through the post office (note I have been requesting that my statements be emailed for years now). A excel spreadsheet in PDF. format (heading: Transaction History) was send to me by Elzanne Conradie from MFC. I noticed a few copy and paste errors and my records didn't correspond. In the interim a addendum agreement was put in place, I thought it would be wise to carry on with payments while working on the settlement amount. The addendum agreement was put in place for a 18 month period. I have been paying every month for the past 6 months more then the monthly installment due. I started getting arrears notices in September 2024 with constant calls from numerous collection agents non stop. I asked Elzanne for another detailed statement because I know for a fact that my account is not in arrears. Once again she send me a excel spreadsheet in PDF. format (heading: Repayment Schedule) This schedule clearly indicates the amount due for the period is R35847-38 I have made 6 x payments that amounts to R47347-21. I am clearly in a advance. So I send this back to Elzanne Conradie asking where is she the getting the arrears amount from? Her response: There is no possibility to stop our collection process if an account is 2 months in arrears and the bank will be sending out agents to assist with collection on account. Your account will be assigned to an External debt company for the collection. I was contacted by two agents from different companies at the same time Monday 2024/01/20. Yesterday another agent called me to inform me that there is no turning back once they fetch my vehicle I will never see it again. Seems like the buyers are ready before the repossessed process starts.... I explained that my account is not in arrears she said it doesn't matter even if you have all the proof. I have send Elzanne 3 x emails since then - No reply I called MFC legal department -Mpho can't assist because she can not see the addendum agreement on her system. She called Elzanne but Elzanne said she is not available to answer calls. I have send requests for assistance to their collection and complaints departments. - NO response while I have these blood hungry hihina agents on my back... I feel sick, physically and mentally drained from this. It is clear that accounts are being butchered to look how they want it to look. The information I have is clearly very different to what MFC has on their system. This is ***** and I will expose their modus operandi, I have searched for similar case and there are hundreds. I have logged complaints with: The National Credit Regulator (NCR), The Ombudsman for Banking Service, NCC, I am busy with the SAFPS and with a few Watchdog Agencies. If anyone else has this same issue please use every resource you can, do not just surrender your vehicle it is a **** you will never be able to get it back.