Inaccurate Account Balance

I took up a loan with African Bank in December 2016. The first repayment deduction was done in the same month, contrary to a promise by the consultant that they offer their clients a gap before the first payment & my first deduction would start in Feb 2017. I thought it ********* to give such misleading information. Another issue now is that when I ask African bank for the value of the loan now, they do not calculate that first payment of Dec 2017. I need an honest account of what my settlement balance will be, so that I can move forward.