Breach of contract.

I took up a personal loan with Capitec of which as per the agreement the repayment was for 84 months. The term of contract commenced in 2018 January 31 meant to end in 2024 December 31. But we are currently on the 88th month hopefully this month will be the 89th. I have lodged a complain with them in July 2024 was just taken from pillar to post. Despite the fact that they have all the data yet every time it is all about speculation that I probably defaulted. There are still thousands that they claim I have to pay to adhere to the agreement loan. Please help.