APPALING Assistance - REDUCE INSTALLMENT AFTER PAYMENT MADE.

I can't actually complain about service from TFS because there is no service!!!!I paid a huge amount into my account in order to reduce my monthly installments mid Nov '22, when I phoned them for the installment reduction I was told that it was done, however my full installment would still be due at the end of Nov but as of December the reduced amount will be applicable, which is about R5000 less than what I paid in Oct and November - ok i wasn't happy but paid the full amount in November too. When I received my statement - the full amount was billed for December as well. I contacted TFS on NUMEROUS occasions without anyone being able to assist me, I was told the installment reduction was not done, and that they can do it but I will have to pay the full amount in December and wait another 15 days for it to be activated. I was furious, as paying another R5000 extra was ridiculous because someone failed to do their job. After struggling to get assistance - no one assists, they just pass you from consultant to consultant, a lady phoned to tell me that she will deal with my query, and that they will create a new account with the reduced installment. Once the debit order bounces they will supply me with my new account number so that I can transfer the agreed amount into the new account. My installment bounced, like we agreed, and discussed with the bank on so many occasions, but when I requested the new bank account I received a response saying that she is on holiday until the 20th of January, how do you go on holiday without finishing and supplying your client with the account number promised - TFS YOUR SERVICE IS APPALLING to say the least. Now, I have the following issue: 1. I don't have an account number to pay my vehicle - WHAT AM I TO DO???? 2. This looks very bad on my CREDIT SCORE and I am a brilliant payer 3. I still don't know if the installment reduction was done- I WILL NOT BE HELD LIABLE FOR THE FULL INSTALLMENT!!! 4. I can't wait until the 21st to make a payment, and if I do with what interest? 5. I will not, NOT, NOT be paying the full installment again DUE TO YOUR INCOMPETENCE!!!!!

If TFS actually reads these complaints, I will appreciate some URGENT feedback on the matter above!!!!