Toyota Finance

I have a contract with Toyota Finance. There was a time my account was in arrears. I decided to pay more money to cover my backlog.

Toyota Finance add up the balloon money against the contract to increase the interest fees that was at R2700 at the time to R5400 a month.

In April 2021 I paid all the money indicated as arrears. Surprisingly I realized that statements were stopped delivered to my emails

When I make some enquiries, they told me that they have handed over my account to a legal firm which I don't know and have never contacted me through calls or emails.

When I studied my previous statements I realized that Toyota Finance was deducting over R5000 a months as collection fees plus R5400 interest plus R350 arrears interest. My installment is R7450, 00. This simply means every month I pay I am at a deficit. I tried to send them email for more than 10 times, they always refered me to an accomplice who is doing that.

As I write this I don't even know what is happening in my account. I am denied all information. No statement is issued to me any longer.

I took a decision to just continue paying my installment.

Please help