DirectAxis poor communication

I sent the following reply to DirectAxis but simply do not get a reply from them. Very poor feedback and communication. Thank you for the detailed statement received on the 4th of May 2021. With reference to the statement and a number of phone calls over the past few months the following: 1. At what rate is interest charge against the outstanding amount? It seems to be over 29% p/a which, according to my knowledge, does not adhere to the National Credit Act. 2. Since 2016 my total Protection Plan’s premiums were almost R30 000. I’ve claimed against the Protection Plan and was paid 6 months premium last year. My situation has, due to Covid, not changed since the insurance payment and the Protection Plan premiums were still levied against the loan. First I was advised that I should qualify for a further payment but then another agent said the Protection Plan only pays for 6 months. How can the premiums be debited against my account if I am not covered. 3. The Protection Plan premiums remained the same from 2016. How can the PP premium of R493.75 on R240 000 be the same on the current outstanding balance of R15 000? 4. In view of the above I dispute the outstanding balance.