MFC service is disgusting along side rosy

I got into an accident in December and had a terrible experience with the insurance MFC insured me with... when that was done I thought I’d have great service with MFC cause I’m fami**** with them.... but to my surprise the 1st call I got from MFC was from Rosy who was so rude. She wanted documents that she was meant to obtain from the insurance so they can process my refund, but she was struggling to get a hold of the company that’s partnering with them so she decides to take out her frustrations on me, she told me if I don’t send her the documents that I sent to the insurance I’ll be debited and if that’s what I want I shouldn’t sent the documents, I immediately sent the documents to avoid a debit order going off month end but guess what happened month end R308 went off my account after I was promised I wouldn’t be debited, I called rosy wanting to know what the 308 was for she told me it’s for deregistering the car, I asked her where is it stated that I’m liable for those charges shes tells me it’s written on the statement, she forwards me the statement which says nothing about deregistering, she failed to give me my answer so she later said it’s the insurance that debited me after arguing because she’s not making sense she says it’s that system that scheduled a debit order it will be sent back with my refund, my refund was meant to be reflecting in my account on the 12 March 19, till today there’s still no refund, why do I have to fight for my refund when it was easy for yoll to debit my account with no missed debit orders... WHY MFC!!!!!!!! I vow to NEVER finance my car with mfc EVER