Nca not followed

I had a loan which I took out in June 2021 with a repayment of less than R2700. I have paid an upfront monthly of R1400 which I had an impression that it was the ignition fee.They have been debiting the agreed amount until one months when my salary date was the weekend and I did indicate when I app**** that my salary date doesn't change even if it's the weekend I stopped my debit order and paid via eft. I did report this to hello Peter and they agreed that my instalment date be @ least the 23rd to cater my date and agreed with the lady to reinstate the debit order until today.My acc recently fell in arrears due to some financial constraints and was called by the collection dept. I asked them to send me the statement to my surprise they have increased my instalment to over R3000 . I asked the guy to send the original contract to date nothing. I have paid R300 for over 36 months, where is the money and the upfront payment.