VAP should never be Compulsory on a loan

I am concerned about Atlas finance. They say on their website that their VAP products are not compulsory however in practice they are. I have not gotten a response when I told them via email that I don't want their Value-added products. To put it into perspective a loan of R6000 with interest but without value-added products over a 6-month term means the total amount payable is approximately R8 466. With their VAP products added which they say are not compulsory but in practice they charge them anyway your payment over 6 months is R11 558.94 (yes almost double the principle). The NCR needs to look into this predatory practice. Another concern is that you should not have to request a policy wording for any insurance product. This must be immediately provided because there is no evidence that an insurance product is underwritten without the policy wording. Secondly, there is no way to exercise the benefits of the cooling-off period without expressly following the instructions which would be described in a policy wording you do not have. I already asked for a breakdown of my installment to understand why my contract installment amount and the amount debited are different but I am yet to get a response. The major problem is that Atlas finance conflates VAP products with the loan agreement. These should be separate. The loan should be signed for separately from the value-added products as much as possible.