Settlement Payment not Honoured

I have a purchased my car through Nedback MFC finance and I went on unpaid maternity leave in June last year and we had a payment agreement to put my payments on hold for the month of July, August, September and October 2016 (I have an email from Sizwe on 1 June 2017 confirming this) . I returned to work in November and in December I made a payment of November and December 2016. On the 2nd of January 2018 I asked MFC for a settlement amount on my account and it was given to valid for 7 days for the amount of R 112 437.05 and I was informed that this amount was calculated including all the monies owed to MFC. I paid this amount to MFC on the 4th of January 2018 on 05 January 2018 I was told by Refilwe from MFC will not release my car papers to me due to an overdue instalment of the Month of October that was not paid. Firstly, there an arrangement for this time and also the settlement amount was supposed to be inclusive of everything. This is highly ********* of MFC and terrible service. I need this issue resolved ASAP.