VAF EXPLOITATION

I really do not understand the exploitation this bank is up to really. I was told of arrears on my VAF then i made an arrangement. I went to the branch to query my statement, the lady who was supposed to call me never called me even when i sent a reminder via email. I have been making R500 extra payments but the arrears keep going up. My question is why such exploitation? Wht are you preying on me when i am making payments. You keeping handing over an account then R4000 legal fees every month is charged by your attorneys. How do you expect me to pay off these ridiculous legal fees when i am paying the car installment. Stop this exploitation. We all need financial relief but you just want to suck consumers dry and make profit. Does it make sense to hand over an account to two different attorneys who charge 4000 for an account that i am already paying for.