MFC NEDBANK HAS BAD CUSTOMER SERVICE!!!

I've been a loyal for the past 5 years and during this I am having financial difficulties. My contract was amended in June stating that the last payment date will be 2023-Jan-20 and that will include the balloon payment. After having not paid for 2 month I received a notice that I have to pay the total amount including the balloon payment and not the amount in arrears within 10 days. Now here are my concerns: 1. My account was written off without any notification. 2. Why am I not allowed to pay the arrears now and the balloon payment on the 2023-01-20 as agreed on the amendment. 3. I asked for a copy of my car paper, and they won't provide it to me because I want to get the car evaluated with a possibility to resell and settle the account. 4. The notice of demand had an amount of R 34 052.75 plus interest on the notice as of 31-Oct-2022 and now (03-11-2022) when I request for the settlement letter, I get R39 160.66 which doesn't make sense. 5. According to MFC you can refinance your balloon I am NOT even given that option. Inconclusion, I feel MFC doesn't care about their clients and only interested in repossession and ruin my credit record.