FINCHOICE IS A ****

I had a 6 months month loan with the company then later lost my job, I have not been paying the account I agree and all the penalties that occur during that time I accept, so I called on the 23 of January 2023 to make the arrangements with an agent forgot her name, she told me my balance of R2123, then I made an arrangement and I payed on the agreed date, later same week the monthly installment R1131 was debited from my account, according to my balance is suppose to be less only to find out that my balance is R1300 according to their system or online statement yet I paid twice in January 2023 when I view my statement I have been charged late payment fee of R55 after paying the R500 then was charged R113 again for late payments after they debited from my account, so I spoke to 3 agent very very disappointing service, other who is Nadia didn't assist me at all said I should repeat what I spoke about with the previous agent, I told her that you already have my details on the system and notes so she was very rude and asked to transfer the call, last agent I spoke to was vuyiseka whom assisted me and escalated the dispute to her Team leader who is Nuraan, with all the agents I have been telling them that I am also recording the calls for my own benefits as well, so with her I forgot until she asked me to remove her on speak then I apologize to her explaining that I am also recording she said she couldn't continue with the call anymore and she didn't assist me regarding my query, she referred me to complain department, I mean Finchoice is a **** they give you misleading information through out this dispute I have been calling them for assistance using my airtime but when you don't pay the account they call you 17 times a day even though you make arrangements, I am not willing to pay for the penalties or those additional fees after paying for God sake it's not even end of February I have not missed the next payment but already I have been charged, why charge late payment when I payed on the arranged date? it's a BIG ****.....