********LY DEDUCUTING MONEY INTO MY ACCOUNT, BEYOND HIGH INTEREST RATE

I started paying for my R30 000 loan in June 2018 till thus far I owe R23815.33. The interest is ridiculous. I took out a 24-36 months loan yet on their statement it reflects adjusted contract term 49months which is shocking!! The repo rate has been going down significantly and yet their interest rate keeps increasing. In Much I was retrenched and spoke to LEROY VERMAAK who asked me to send through all necessary documentation, OFFICIAL RETRENCHMENT LETTER, ID COPY, BANK STATEMENT as well as UI19. All of those documents were sent in the first week of April yet at the end of April they debited my account, they claimed that the consultant didn't log it. In may they asked for another bank statement and copy of ID which was sent and on the 29th of MAY they debited my account again. Yet I have been paying for credit life insurance which LEROY VERMAAK confirms covers my account for 12months. This is ********! No one knows why I'm being debited. The consultants as well just drop the call. Credit Life has not paid through. I have spoken to MEAGAN, YOLA, LEROY & SIYABULELA a useless company if I may say. Please assist with the right process to sue, as far as I know it is ******** for them to deduct money from my account without my consent, especially once all documents have been sent and communication has been made about retrenchment and credit life.