POOR SERVICE PROVIDER

I have joined Cartrack in July 2020, i have paid prorata amount at the end of July as i have joined in the middle of the month. the following month which was August 2020 i started paying my normal premium via debit order on a monthly basis. in December 2020 i got paid early on the 24 Dec 2020 which was earlier than my debit day, so I have paid R200 cash deposit to their FNB account which was R61.00 more to my normal monthly instalment. But in January 2021 i continued paying my normal instalment via debit and have never missed any payment. Now they are telling me my account is R78.00 in areas, what is surpsrising is that i expect to have a surplus of R61.00 extra in my account with them but instead they telling me that i am in areas. Pity is that should anything to my car they will be telling me they will not help because i am in areas that i did not even incur, they will be telling me about terms and conditions of non payment when i am paying my account and never missed any payment. No one is able to even able to give me answers to this, all the consultants that are calling me daily harrassing me of the non payment, they don't even understand what is the R78.00 in areas for as i have been paying my premium without skipping a payment, they are clueless, despite me asking them to give me a call when they have a clear understanding and explanation, different consultants keep calling me for the areas. They sending with inexperienced consultants and they are putting my car at a risk and i think this is deliberate. This is really frustrating and annoying. It has been 3months now with the same issue that no one can solve for me from Cartrack, 3 full months!!!