Disgusting Bank

I need assistance as running to a branch has become exhausting and not a single visit has made anything clearer. I have an 84month loan with Capitec. It’s been a while the app has shown my loan from 84 months to 91 months. I have enquired at numerous branches and all consultants advise me that it’s still an 84 month loan and it even shows that on the system. Till my last visit. The consultant mentioned that my term was extended to accommodate the increase in the credit insurance but my loan will only be for the 84 months and the last 7 months it will be for the increased credit insurance but at the same instalment as my loan was. My issues that need clarity are: 1- what debt is the bank needing credit insurance for if the loan is paid off at 84 months but credit insurance still continues for 7 months? 2- why can the bank, after an agreement has been signed between the 2 parties, decide to increase terms or instalments? But not offer the lower interest rate that’s currently on offer? It’s sad that not a single consultant can assist me and the complaint department sends me a credit info pack…