Unsatisfactory - loyal client but MFC disappointing

I bought a car two years back, finaced by MFC. Never missed an installment. Last year in October I got retrenched, contacted them to was advised to freeze my installments for two months. Started a job this Jan , app**** for finance for a new vehicle (trading in the two year one). Application got declined, I appealled the application and was told I only qualify subject tot he installment being R2,5 while the car i was applyin for was for 3k. My concerns are: 1. The installment on my current car is double the app**** amount. 2.I am looking to downgrade, how can affordability be a factor when the installment is going to be half what i am currently paying? 3.My salary hasnt changed, so that cant also be a factor. 4. I called the dealer and MFC to explain that i am not taking on a dditional car but looking to trade in. All the people say they cant liaise with e directly to sort out my case te dealer has to do so and the lady handling my acc is occupied and not paying much attention to fixing all this. 5. Today I was told that the app is being reviewed again but still had the 2,5 condition app**** to it. 6. the current car installment shouldnt be included in the application, i am noy buying a car!

Its sad that I had made arrangements with the bank when i got retrenched, and have been a loyal customer, never missed an installment yet the bank cant even assist with this application but instead i am being sent around transferred and told that they cant speak to me directly. A lot of the people handling my application dont have all the facts and no one wants to listen.

Ive been told only the dealer can handle the case, everytime i call for feedback and to state my case. the lady at the dealer is taking her time and not looking out for my best interest as the client. teh application is mine! i am going to be the one paying, why cant i be given the chance to address my issues. ai! it hurts being loyal to a brand yet when u need them the most they cant help.