Horrible service from mfc

I am in disbelief of how MFC treats their customers.im taking this matter to the Ombudsman after this because I don’t understand MFCs way of doing business.

In March 2019 I decided to randomly check my ITC report to see how I’m progressing,I then found that my account for MFC reflects a zero balance and the status as paid up .i was extremely excited as it has been a long 5 years paying this car and finally Seeing the light,even with life challenges I continue to pay.i called mfc twice requesting for my statement to no avail .i wanted my statement so I can confirm that indeed the account is paid up ,but when I didn’t receive communication about any outstanding balances via sms as they normally would on a monthly bases I then I assumed the ITC report must be correct given the fact that for 2 years since 2017 i have paid more than my installment.i stopped paying the account in hopes that I will get an sms saying that I missed a payment.i didn’t get any confirmation that I’m owing which confirm what I saw and still see on ITC

Fast forward 10 July 2019 I receive an email from Kathy from LMB debt collectors requesting I contact her regarding my Acc.i sent Kathy an email advising that I’m realy confused about the status of my Acc and I told her the ITC story and why I have reason to believe my account is paid up. Kathy then said I need to pay the full balance of the car or else they will take the car I asked Kathy for my statement which she didn’t send right away .on the 11 July I made a payment of 10 000 because I was confused of what is happening and didn’t know how much is realy outstanding because I still don’t have my statement,I also advised Kathy that for 2 years I paid more than my installment and she says she’s only doing what the bank orders her to do .

I few days later I received my statement and it shows my debt as written off since March 2019 by MFC ,I then asked Kathy why is my debt written off in March when only one installment should have been outstanding and according to the law in South Africa a debt can only be written of after 36 months of non-payment or acknowledgement.

I was never running away from paying my car ,I have paid it for 5 years and I’m only left with 6 months to finish and now MFC finds that this is the right time to repossess because they know they will make more money from it ,I have never refused to pay I just wanted to understand why ITC says my Acc is paid up and also why MFC wrote my debt off in March when my last payment was in February,also why am I being threatened now when my Acc is almost paid up . from here I’m laying a formal complaint to the Ombudsman as I think my statement needs to be investigated because the money I paid over the years is more than what the original debt is