Settlement amount is not fair according to the NCA

I contacted Bayport for a settlement amount as I am in the position to settle the outstanding balance on my loan. According to my last statement, the outstanding loan amount is R63925.62. I understand that there might be about a R1000 or so penalty settlement, however the settlement quote comes to R68356 and I also still have to pay my monthly instalment of R4250 ontop of that. That is nearly a R10 000 difference! I queried this as I know my rights and this is NOT according to the NCA or CPA and I am being treated unfairly. I spoke to Collin, who assured me someone will call me back today, but their systems do not allow them to quote clients fairly and according to the National Credit Act. How are they a registered FSP? They are not complying.