******** fees

I currently have access credit facility with Capitec Bank. The monthly fees you are charging me it is a total **********. On my access facility agreement the fees i am suppose to pay is R561.60. However the current fees you are charging me is R889.53. I have been to two of your branches ( Kerk Street Johannesburg Central and Balfour Mall) to enquire about these fees. And at Kerk Street i was told that it is because of my affordability, i mean what nonsense is this?. At Balfour Mall i told that it is service fees. Why i am getting two different answers??? On my agreement the Consultant who was assisting at Sandton City Sherwin mentioned to me the Credit Insurance Premium is inclusive of retrenchment/unemployment but when i look at this in my statements every month it is something different. This is ******** to charge client fees that she or she is not aware of . If i would have known i will would have thought twice before accepting this offer. No national bank in South Africa will charge client these unreasonable fees. Please stop this nonsense and charge me the fees as per agreement, and reverse all the amount you have been charging me ********. Do you think i will ever finish this debts with these crazy fees?? Failure to do so i will contact baking ombudsman.