PaymentHoliday nightmare

I took up a payment holiday in May 2025(it was approved) and I was told on the call that I will be charged interest (I agreed and said its fine because I have taken up a payment holiday before and the interest is normally not bad) I did not receive any form of written communication to say my account will be restructured (months increased). Come August my premium was increased to a whopping R17 000 from the R11 000 i used to pay. I wouldn’t understand why and how. I tried applying for the arrears to be spread out but it was declined. Then I was recently took by a consultant from VAF that my loan term was increased to 2026 and I was supposed to receive communication to advise me of this. However I haven’t received this communication from both DCC and VAF. I am struggling to afford the R17 000 which initially I did not agree to, if I was told back in May that this will my fate I wasnt going to agree to the payment holiday. Can this be investigated, together will my vehicle loan term for vehicle *******1 on what is happening and why I was not told of this term increase . I was supposed to be done with paying for my vehicle December 2025 and then payment the balloon payment balance however now I am in a difficult situation that I did not consent and agree to