Exorbitant charges that no one can explain? Finchoice is a ****

On the 3rd of December I received an email stating that my monthly payment would go off on the 17th and that I had to respond by the 4th of December to make an arrangement. I enquired via email to keep my payment on the 26th. By the 4th I had still received zero response so I had to opt for the option to postpone this months payment till next month. Right after I selected this I got a response telling me my payment would go off on the 26th. When I told the consultant that I was forced to select this option they told me that I could opt to settle whenever I wanted. Today when I ask for a settlement, a full week before my payment should go off, I’m given a settlement that’s much more than my monthly payment would have been. When I phone to enquire the consultant just tells me it’s what the system is throwing out and keeps telling me that I have extra charges over and above my balance like I’m an idiot and when I tell her I would like her to escalate it to a superior she just keeps saying to me what must she tell her superior like it’s my job to tell her? I would like finchoice to get back to me immediately and explain why firstly my settlement is more than my monthly payment should be and secondly why their consultatants can’t explain what an issue is beyond “it’s what the system says” because then surely if the system is doing all the work their is no need to hire actual consultants.