Loan term extension without a consent

I'm very concerned by my term of loan which is extended by 8 months however on my contract I'm left with 3 months .My contract clearly indicate that my last term of payment is 15 January 2026, which 3 months from now but the app indicates 8 months which simply means I maybe overcharged on interest and I have never missed any installment payment or asked for a payment holiday .When I called I was told about credit life insurance that increased during Covid19 which has nothing to do with me .As the banks normally clients are assessed individual based on their own risk not in group. so I'm bitterly disappointed because it means one can be caught in perpetual payment because credit life insurance can keep on increasing the next on the last payment .If Capitec don't fix this I will cancel and transfer everything with them .