NEVER TAKE A LOAN FROM CAPFIN WHEN YOU THINK YOUR DONE THEY ADD MORE FEES

I Took a loan from Capfin and I defaulted for one month.I called in to make a payment arrangement.I have asked them to debit my normal installment as well as the one months missed payment over a period of three months.My last installment is June my arrangement is that they debit my account on the 27th of each month.But the debited my account before that date for the full installment as well as the arrears installment.Now when its the last month of the loan they debited my account on the 25th for the installment but not the arrears amount.They now say it the amount will only be debited on the 27th which I cannot understand why in the last month they want to debit on the arrangement date when they have not been sticking to arrangement and now that I want to be done with them all of a sudden they want to tell me about a settlement amount is this a ploy to get more money out of me when I want nothing more to do with them.They say their calls are recorded but they cant provide you with a copy of the call when you ask.NEVER TAKE A LOAN FROM THEM EVER.