MFC UTTER DISGUSTED....POOR SERVICE ON ALL LEVELS

Worst experience ever...MFC has an agreement with a 3rd party to whom they sale products on their behalf...in the year of 2018/2019 I had recieved a call from an MFC sales consultant selling me a product from this 3rd party group...the product was useful until this year when I took car in for a services and now wanted to benefit from this product I'd purchased and had been paying premiums for every month together with my car installment...the mechanic calls to tell me that the 3rd party group informed him that the product I believe to still be in place has expired...the 3rd party though agreed that the products terms and conditions were not fully disclosed to me as the client....3rd party group then reimburse an amount of R 2704.00 into the account I hold with MFC...it was not explained to me clearly what the refund was due for however my assumption was either they were refundin premiums or reimbur*****t for acknowledgment of wrong-doing...Anyway my concern with them was another issue on it's own but they eventually fulfilled their obligation and reimbursed the said amount into the MFC account.....now during the time I was interacting with the 3rd party group and I was interacting with MFC senior administrator: special care unit - Mr. Neo Seduma...From the on set communication was a problem but ofcourse he was able to explain that delayed was actually cause by the 3rd party group which I note....throughout my conversations with him it was indicated that yes indeed these funds reimbursed by the 3rd party group were due to me....no where was I informed that "please do not anticipate a refund paid back to u as we will have to investigate and thereafter provide u with adequate feedback"...I feel I have been total misled and I have incurred financial impact on my monthly budget which I feel is unfair....MFC today provides me feedback to tell me that in fact the product was purchased on my behalf and I was therefore only paying them back the "extra loan" over and above my car installment loan....after waitin so long for feedback to the status of the reimbur*****ts and account restructuring....today I am driven right into finanacial constraints...because I had given them an options to say I do mind continuing with the same installment that I was now being billed for after taking up that product from the 3rd party which obviously increased my monthly installment...I only feel that the reimbur*****ts belongs to me as the person u claim to have loaned the money to purchase the product...Why is it that now that the difference is return you feel the need to 1stly redistribute the refund amongst the month remaining on my account, 2ndly as a client of the account I am still the owner of all transactions that are conducted in the account and therefore MFC should get consent from me as to what to do with amount recieved or deductible from the account...and therefore I give no consent for the reimbur*****t to be redistributed amongst the remaining months to settle off the account and to please reimburse the funds paid by the 3rd party to them to my debit account....your service level is another matter...when you commit to something you keep to your word...you thoroughly explain policy to allow client to understand...if one is unsure...you avoid telling client misleading information or feedback just to get them of your back.....can I feedback for this urgently I am suffering already....