MFC... POOR Communication problem! Very frustrating

I am so frustrated now because of MFC. My account is in arrears of R4500, and they are threatening to repossess, that I under but I have been trying to get hold of them for the passed 3 weeks. I was told to get hold of Genius Mahlangu or his superior who is Ruby who are responsibly for my account but I can never get hold of them. I have been sending emails but no one has been replying. I have never struggled to get hold of MFC like this before. This is poor service and very struggling. I have just tried to call now again and was put on hold for 45 minutes and they ended up cutting the call. This is very poor service, and very frustrating for your clients. How do i get hold of your legal department if you do not answer the phone???????????? MFC this is so wrong and very frustrating.....