MFC does not care!

I am absolutely disgusted by the service I have received from MFC , they have no empathy or any concern for peoples livelihoods! I have NEVER MISSED a car payment. I was retrenched in September. My insurance started paying my car instalment on on the 22nd of October. MFC still debited my account for the same amount (R6 139)on the 30th of October. I phoned on the 30th to find out if I can get a refund, I was advised that it may take 3-5 days to process the refund and it might be easier for me to go and reverse it at the bank, I told the guy I spoke to that I will wait for the refund. The following Friday being the 5th of November, I still had no refund, bare in mind that you guys took MY LAST money! I am unemployed and my insurance already paid ! On the 5th of November I phoned again to find out what the delay is. The lady I spoke to said that I need to send proof of payment, please take into account that absolutely no one contacted me to inform me about this! She then said that she is not sure if I need to send it through, I asked her how I will know if I send to send it or not , could she call me or send me an email once she knows. She told me that she is unable to do either. The following day I phoned back again. This time I was told that my request will be fast tracked and the process should take another 2-3 days. I waited, still no refund! So I phoned again, after asking for to be transferred to the refunds department, I was on hold for 25min, my airtime finished and no one even phoned me back. I phoned again and was told that someone would phone me back , again no return. I eventually got through to Masentle Mhlongo. She then told me that I need to send an email to specify what refund it is that I want - this was utterly ridiculous since someone could have told me from the start that this is a requirement! Also can they not see that my car was paid twice in October ??? Why do I need to tell them when I need a refund for ?? I sent the email through on the 12th of November. I emailed her on the 17th to ask how far the process is and never received any response back. I phoned again on the 19th of November. The guy I spoke to told me that it was processed on the 15th already and should reflect either that evening ,or the following day . I am still waiting for the refund! Also, not once did I receive a reference number or anything, so every time I phone, I need to explain the whole story from scratch, that alone is frustrating ! This is absolutely ridiculous! I want my refund today!! I have never missed a payment! I have always paid on time! I have been retrenched and still you guys have received your money! I have no money left you guys took my last and you are taking your sweet time to pay it back! My patience has run out!! This is disgusting!!

I honestly don’t know how you guys are a division of Nedbank, because Nedbank always gives OUTSTANDING service! You guys are dragging them down.