Capitec Bank - Making sure the POOR stays POOR

So I had a loan with Capitec and I must say, I don't know if I should be shocked or amused. But here is the email I have sent to them on the 29 January 2020 and till this day no response received from them!!!!

Incident# ***8

Good Morning

I trust this email finds you well.

Firstly I would like to thank you for your assistance. I have a few questions regarding the settlement quote.

Firstly kindly indicate or explain to me on what amount was this settlement balance calculated? Secondly I have attached my statement showing my payment that was made on the 15/01/2020 BEFORE THE DEBIT DATE OF 25/01/2020 and it clearly indicates a bal of R 82.05. Also in January I'm being charged for Arrears hence to my understanding I was only in Arrears for the Month of December and the R1682.05 was including the arrears for December. Also please explain to me on the top of my attached statement the credit balance of -R310? and outstanding balance of R210? And the best part where or how do you come up with the amount in your settlement quote of R351?

Somehow this is not making sense to me at all!!!

I am awaiting your response promptly PLEASE try and break it down to me - So that it makes more sense to the average person

I hope you understand my frustration and could assist me in this regard - UNTIL THEN, I AM REFUSING TO MAKE ANY PAYMENT!!!!

Oh and what surprises me, I called on the 15/01/20 for a settlement amount - Which according to my knowledge should be less? However I was referred to the Branch, so stupid me thinking I don't have time to go to the branch so let me pay the money while I have it. Well seems like my stupidity is cost me alot more than R82.05....AND AFTER MAKING PAYMENT AND QUERYING THIS MATTER, I RECEIVE A SETTLEMENT LETTER!!! WOW THAT IS JUST WONDERFUL!!!