Poor Customer Service and assistance with queries

<p>I've been with Octogen for around 4 years now. Now that it's coming closer to the end of the term I still have to pay off all my debt, it seems there is some reluctance in finalizing payments. I only have three credit providers who are still being paid namely Consumer Friend/Makro, African Bank and Ford Credit/Absa Finance. My monthly payment is roughly R6900, of which more or less R5000 is paid to Ford Credit. I retrieved the outstanding balance from Ford Credit and emailed it to Octogen, I made them aware that my car is almost paid off and that I would retrieve another balance in October to ensure that Ford Credit is not overpaid in October. The outstanding balance on this is currently R1027 - I would very much like for overpayment to be avoided and the funds to be allocated to paying African Bank - which is currently not even showing as being paid on the Hyphen Statement that I received on a monthly basis. The person who's been dealing with my query has said that he's trying to contact Consumer Friend to obtain an updated balance and has promised to include me in communication with the credit provider, but has failed to do so. On the Hyphen statement it shows that payment made to Consumer Friend was returned (to where???) and I am not receiving any communication on what's going on with my debt review. I know it's my responsibility to ensure that I pay the agreed amount each month, but surely Octogen can just make sure that it is being allocated correctly and that credit providers are not being overpaid. I would very much like for this to be done with so that my credit record can be cleared once and for all but it seems Octogen is dragging it out.</p> <p> </p> <p>PLEASE HELP!</p>