MFC is Horrible, Selfish company which does not think for their Customer

I have purchased a car through MFC vehicle finance and I have never seen such a selfless, horrible and selfish company. When lock down started I have advised them that I am on a lay off payment but they did not bother to reduce my monthly instalment which on the other months I had to reverse so that I can be able to survive. Early this year I sent them a new letter advising that I am on a 20% salary and still they did not bother to make arrangement. Worse part of it they deducted arrears on my account without my permission and this is not the first time. I am now going to change my account and pay they directly as this people does not think for their costumers and they tarnish Nedbank's name.