Edgars paid debt

I opened an account with Edgars in late 2017 i think in November if not October and receive a credit of R1800 which i took a phone with it,then i paid R200 as my installments, i lost my job then they called requesting payments, luckily in May 2018 received a new job then a lady called requesting payments which i asked the total amount that i owe which i was told its R1246 then told them will pay in June 2018, on the 11 of June 2018 i transferred R1250 on Edgars account cellphone banking of Capitec, right after paying i called the pretoria branch and was told it hasn't reflected on their system yet i must call after 3 days, but was told the samething even after 3 days that it hasnt reflected and even went to capitec to ask for proof of payment which i have. now Edgars has handed the case over to credit bureaucracy, i asked the debt collectors agents whats making this debt to keep increasing whereas i already paid full amount i was owing, they told me there are insurances that are added on my account without my concern and VIP club which i know nothing about. This has ruined my credit score as i cant do anything anymore because of this.