Unfair charges and trying to rip of client

3/4 years ago I wrote to Ctrack and advised them I have an issue and can’t make the month installments etc. I got a settlement quote of R554.00 +- from there customer care team. I couldn’t afford to pay it. (Now prior to me asking for help, I was a client for 5 years and paid my monthly debit on time or not, if got paid. So I couldn’t afford the R554 settlement. All of sudden I get listed on the credit bureaus for owing this coming R1425.. etc, I emailed there accounts team and asked for a settlement offer and discount, low and behold I was quoted R1770 as a final settlement wow! After R554/ then my report shows R1425, now you want to charge me R1770 which is totally not fair, I asked for a breakdown and never received it. So Ctrack if you want me to settle please come to some sort of agreement. Take the amount of R1425 on my credit report give me a 50% discount (seeing you were will to accept R554 when I had no money and then escalated it ridiculously) provide me a detailed breakdown and advise when payment will be made, how long will it take to get the credit brearu updated? And then we can take it from there