over paying MFC

In 2008 I bought a 2007 Hyundai Getz for R74000.00 through MFC. No residual. Interest rate at that time 15.5% prime rate 6%. They calculated 21.5% to the vehicles price. Received no statements for years. Recently I found out that I have paid +- R160 000.00 so far and that I still owe them R28000.00 and I have been paying since 2008.10.01. I requested statements and payment history schedules. Found out I have 4 different opening balances. R96000.00, R172000.00 and R175000.00.Got my credit report from NCR and the opening balance is R102000.00. According to them the NCR is wrong. No one at MFC know or can tell me what's going on with this crazy account. I must just pay pay pay...I must pay a 2007 Hyundai Getz for 8 years the amount of R200 000.00. It's a Getz not a BMW.