Finance company acting like lawyers

The worst financing company to ever sign up with. I have paid up arrears which theu call their job. They behave like lawyers. For every reminder or communication they charge you a fee, yet the bond is paid in full every month.

Theu call their arrears collection fee, when its an indivudal job to give a courtesy call to a client to understand why there is a possible short payment, but when they charge you incorrectly and make mistakes on your bond statement, they dont pass credit for a call from the client.

They listed me on ITC for an arrears realting to 2025, which has been paid up in December 2025, and I even over paid by R60. This is affecting my score and they refuse to clear it