MFC won't renegotiate *********ly high interest rate after diligent payments.

I have vehicle finance with MFC and have been paying diligently every month. Current fixed interest rate is 16.8%. After enquiring about negotiation of interest rates, I was advised that there is nothing to do for the remainder of the contract (another 5 years) and due to fixed interest rate, they can't relook at it.

I believe this interest rate is actually theft from *******ed financial institutions. I am paying over R100 000.00 interest amount on a car that was R189 000.00. This seems grossly unfair and *********.