Account has zero balance but no paid up letter

On the 26th January was my last installment to Capfin. I called and I requested a paid up letter, the consultant by the name of Sibongile said the system does not allow her to give me the paid up letter as I still owe R57 service fee.<br> <br> In my statement I received 5 January from Capfin it states that the service fee its included in the monthly installment, my question is: how come I owe R57 service fee though I have zero balance<br> <br> I would like Capfin to close my account and give me my paid up letter as I do not see myself paying the R57.