Increase of arrears for no reason

I fell into a problem and fell behind in my vehicle. It was due to be paid up at the end of November 2015 but i did not manage to do so. My balance on the 26/11/2015 was R11 549.77. I paid R7000 in December and now i get told my balance is all of a sudden over R12 000 again. How does this work.<br> <br> I want to finalise this account but i am getting no proper answers, my emails dont even get read and just deleted as i get notifications saying my mails are deleted without being read.<br> <br> WJ Legal staff member Lizelle has a very heavy handed approach to dealing with people and throws tantrums on the phone, i have a recording of her saying she will come and collect my car if i dont pay her immediately. I am being charged traking fees for the duration of my contract yet i dont have a tracker.<br> <br> I want answers as to why the bank is charging collection commission when they are not registered debt collectors. Firstly i have a statement showing the bank owes me R3028 but now i owe them all of a sudden. how does that work.<br> <br> Why was a tracing fee added when the bank has all my details? i will not deal with these rogue collectors.<br> <br> I will be taking this to the NCR if its not resolved.