Reckless lending and abuse

2022 phoned and app**** for debt consolidation loan,provided the settlement statements as per request,they approve the loan but then for some reason fail to pay all the provided settlement letters but decided they will pay the remaining amount to my personal account as if I app**** for a personal loan,they call me with no valid reason why they cant pay everybody…fast forward this beginning of the year i request a settlement discount attempting to settle all at once end of February,i fail to do so…they call and send me email of alternative payment plan of 6 months for 6 installments to cover the discounted amount…this week they now say the discount fall away if its not settled as palned but they are the one who gave me the option to 6 months repayment with a discounted balance on the e-mail….now they want me to pay the same amount they recklessly paid into my problematic account that i did not ask for initially….guys dont deal with old mutual not a funeral cover home loan insurance or nothing,you will regret it…then their illiterate consultant who dont even know the nature of this loan is asking stupid questions about “what settlement statement”🤮😡i keep all my emails especially of agreements and such legal situations…now i sent them everything and they went silent as i sent the complain to NCR