Very disappointed

Hi so I’ve been a client of MFC since 2015 when I had my first car unfortunately in 2017 I had an accident and my insurance paid and there was a short amount which my shortfall cover also paid for then I bought another car the one I’m currently driving sometime last year another bank offered to pay off my car so they can finance it but they found out that I’m paying more meaning there must’ve been a shortfall amount added to my account which I didn’t understand so I called MFC and the person I spoke to assured me that there is no such thing then I left it, the other bank said I must take the matter up but since I called MFC and they said there is no such I believed them and besides I’m happy with MFC I just wanted my car to be refinanced for financial reasons but they’ve been good to me, now I app**** for a payment holiday then I was told I will get the payment holiday but there will be an amount going of my account for a shortfall which is R225 so Ive been ********** for almost 3 years paying for a shortfall I know nothing about and the when I called last year they **** to me and said there is no such thing!