MFC **********!!!

I received an email from MFC with a statement that my loan account for my car has been settled and closed. I phoned MFC to enquire about the payment and was told that Outsurance had paid R20 444.94 to settle my account. I did not have any knowledge or give any consent for them to pay any money into my loan account. I phoned the complaints department was put through to Amanda, who was the person responsible for closing my loan account. I told her that I did not give any consent for the account to be closed and I demanded a reversal. I was then told that I do not have any say, that Outsurance had paid the car off and that it belongs to them. I signed a contract with MFC and have been making up to date payments since 2010/09/21 and all of a sudden someone else pays the rest without any consent and they are entitled to ownership of my car?! I dont understand how MFC could allow such a transaction to be done without my consent or my signature. They spoke to somebody with no legal rights over my loan account, gave my personal details to them and allowed a transaction to go through *******ly to change ownership of MY vehicle!