Standard Bank VAF Unable to Allocate Payments

I bought a vehicle through Standard Bank, and for 2 years have been suffering as they are unable to allocate payments. They have restructured the finance, added a ballon, added months to term, and refuse to rectify the situation. I have had debt collectots after me on 2 occassions, and both times, they tried to sort it out.

I have called, e-mailed and even been in to the bank on 2 occossions, only to be told that I am still behind. I do not know how to get these clowns to sort it out. They will not set an in person appointment with me to see a VAF consultant, you can only talk to them telephonically.

The entire issue came when I moved from Standard bank to FNB, as Standard Bank was beyond ***********. They refused to change the debit order to FNB as I had signed for a Debi Check. So I do an EFT for an amount more than the actual monthly payment, and they are unable to allocate this. I do send a POP.

Do not do business with this useless bank.