I have never dealt or signed a contract but debit

Last month 2000 went missing out of my account and it was untraceable until my phone was ****** and I needed a sim swap. It was then when mtn told me I am on contract which I knew nothing about. Eventually I got thru to Elite mobile after using a whole R60 airtime I was told I need to pay R150 for a sim swap and R560 if I want to cancel my contract. I am due on Wednesday 22/07/2015 to have my baby, and I really can't go through all this stress its no good for my baby. I have never dealt with anyone from Elite and have never signed any contract with Elite, This is *****! I just want my money back and my old number.