Financial Services Provider not complying with the FAIS Act

I took out a loan with Atlas Finance on the 01/02/2019 for an amount of R8000 they told me the installment is about R2400 for 6 months. I than went to African bank and took out a loan on African banks system and according to what's reflecting on credit bureau it showed my installment for Atlas Finance is R1847. I went back to the Atlas branch in Johannesburg to complain by the manager. He told me that my installment is R 1847 I asked him so where is the other money going to he told me it's for credit life and Value added products. I was like what is value added products and why didn't the consultants explain this to me and give me an option to take it up or not. Benjamin the manager told me the only reason why they included Value added products is to make the credit life a bit cheaper and if they didn't add the value added products I would only save R200. He made it sound like R200 is nothing imagine this. I Told him but this is ***** because the consultant is supposed to mention all cost involved before making the clients take up the loan. He tried protecting the consultant and said to me their terms and conditions are long imagine if the consultant must have mention all of that to me. I told him I'm also working for a financial services provider and according to D Fais they should mention all the cost involved. I then asked for a settlement letter I got a settlement amount of R9900 this was one week after taking out the loan. I don't even have it for a month yet I must pay back so much money. I wish clients who have loans with them could read this to make all clients aware of the way Atlas Finance in Harrison Street Johannesburg is doing business. I will take the matter further as this is *****.