Threatening Nedbank Collection Agent

I have responded to sms advert of VW sales agent that was forwarded to me by a sale spotter in January 2018.

The advert said VW is selling 2018 polo's with 2017 prices and that you would pay you first installment in March 2018 with a R20k dealership kick back deposit and the Polo's installment was from R2000-R2800 and the finance must be through VW Finance.

I then contact the sales Agent who helped me with the finance of the car. Firstly I was happy to be approved and secondly most of the advertised benefits was not given. I ended up getting 12k dealership kick back deposit and not R20k, My first debit order was in Feb and not March 2018. I was charged R2500 on the road cost but had to pay for my own disc becuase of penalties on my old car.

I only realized after signing the contract that my car was actually financed by MFC and not VW Finance. The instalment went from R2k to R3400 and now I am in arrears because of the instalment started from Feb instead of March.

On numerous occasions I have explain this to MFC collection team I was advised to complain with the dealer and I have done so with no luck and the sales person has unfortunately pass away. I have made arrangements with Nedbank collection but they are not at hearing to the agreement and because of this I fail to honor my side of the agreement. Mt balance outstanding was R3400 and I have made R1000 payments to ward the arrears but my outstanding is back to R3400 because of nedbank charging me collection fee of R500 but they cant keep to the arrangement made by myself. Mr Lebogang Mohlala has called me numeours times and same story everytime explaining myself and he keeps onstreathing me that he can put a call for my car to be taken, he send more than 5 messages and the last message he says that my account will be handed to an external agent and I will be liable for the a fee of R500. This means my account will never be up to date with all this charges. Nedbank must help me sort out this issue.