Disgusted by SA taxi finance

We purchased a quantum in 2020 by them however with covid we went through struggles to pay the van eventually my husband got it right to pay what we owed them to get straight he phoned say said we not longer in arrears mind you they don't send statemmet so we don't know how far we are nothing! Bottom line they said they sent us an email adding an extra 3 years to our 6 years which mean we paying 10nyears on our quantum but we never received no sms.!! Just thinking everytime makes my blood boil why don't they send us monthly statements? And why would a sms be legal to send a customers aren't you suppose to send a legal document stating u adding another 3 years to the payment plan and then the customer needs to sign if he or she agrees? And why tell us we not in arrears when they knew we were still? Cause we were trying to get straight with our payments? Why make people's financial life so difficult? Why are they so secretive send bank statements to your customer!!! Just thinking I should've been done next year with my van now I have another 3 years to pay makes my blood boil