Business ProfileforAction Auto Leasing & Sales

We leased a vehicle from Action Auto Leasing in 2018. In January 2022 the lease was reworked to help us with lower payments. We greatly appreciated the lower payments. Recently we decided that we needed a new van that was lower for my wife (who is in a wheelchair), to get into. When we 'refinanced' the lease we were told that the arrears would be capitalized to the end of the lease. After the lease was refinanced we were apparently still in arrears. With ODSP and a seasonal tax business being the only income, it was difficult, if not impossible to pay back arrears that should have been put to the end of the lease (the lease was extended by a year at refinancing). Because of arrears that shouldn't have been there, our credit bureaus are showing derogatory payments for six months. It hasn't been six months and as of this complaint, the arrears have been paid. The credit bureaus are still showing derogatory. Because we are trying to trade in our current van for a new one, we have asked Action for the amount of the buyout so that we can buy the lease out and use the van as a trade-in for the new one. We have been denied access to the buyout amount and instead pushed to lease another vehicle from Action. We don't want to be customers of Action anymore and just want the buy-out amount. We have the right to buy-out the lease and take ownership of the van early as per the contract. We are also asking for an account ledger that shows we were in arrears after the refinancing of the lease in January 2022.