No one answers their phone, holding on for 30 minutes at a time

Absolutely the worst service ever from such a giant in the finance industry. My vehicle settlement was paid out by my insurance on the 12th of January 2022, but mfc still debited the monthly installment from my bank account on the 25th. Every time I call there customer service, one of the agents puts me through to the claims department and I wait for 20 to 30 minutes at a time and no one picks up, costing me 100s of Rands of airtime. I was referred to a lady named Leslie-Ann but she never answers her phone. I have already purchased another vehicle, now I'm paid two installments, which puts me into financial difficulty. This service is absolutely terrible and would recommend financing a vehicle with another bank.