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<p>Good day to to the person reading this, I am a client of Nedbank MFC. Last year I had the misfortune of being put on short time at work twice, after the first time I was able to pay back my arrears quickly. The second time I was without work for 4 months in August 2015. In February 2016 I made special arrangements to bring my arrears up to date over a 6 month period, I recently discovered that I was unknowingly paying back nearly R500 towards penalty fees and the collection agency for the arrears. If this was clearly noted to me in the beginning I could have made the necessary decisions to rather pay more than the required monies to pay of the arrears. I have wasted nearly R1500 up to date, which I could have payed down on my vehicle. They **** and keep you in debt as long as possible doesn't even help you want to make arrangements to settle outstanding monies. </p>