Cash crusaders robbing the people

Last year oct my husband ****ed his phone at cash crusaders field, the capital debt was 483.39 and the repayment amount incl all other charges was 509.01. Every month i paid the interest only which was +- 118 until 12.02.2020. The interest for january was 118 due by the 10.02.2020 as they give u an extra 2 days if you unable to make payment so i paid on the 12.02.2020 but was charged 120 being 2days late. I queried with the assistant who told me the system generates the amounts n if i pay early the amount would be considerably low. 10 days later, the 22.02.2020 my husband went to pay n collect his phone n was charged 492.00 but if he went on the 12.03.2020 he would have been charged 509.01. When i queried this with the store they said its the initiation fee. So i want to know how is this al calculated if the loan amount is 483.39 deducting the initiation fee of 83.39 giving us 400 n the interest is 14.50 and the service fee 11.12.? When i paid the interest of 120 what was that for as no receipt is given upon payment only a new contract. How is it that the interest for being 2 days late is R2, for 30 days is 109 but for 10days its 92 yet its paid almost 2 n half weeks early.. this is absolutely day light *******. According to the consultant the 92 includes the initiation fee again which was included in the payment made on the 12th.