FINCHOICE/PAY JUST NIW

My finchoice mobi money account has been a nightmare. Settled the account in full as per settlement letter asked and received from them,a debit order was deducted after the account was settled in full;the debit order was upon my request refunded,but the amounts deducted from the account and the amount that was paid as per the settlement letter was wrong. Multiple emails later and it was corrected.After a few weeks my account again showed an amount if R140 still outstandung. Still waiting for response from Finchoice as to what that amount is for as I have mot used the facility after I settled the account in full. There are discrepancy on their calculations of the 12month credit facility offered on Pay Just Now as well,monthly installments increasing from original installment amount given on approval of account after a few days. Its a pity that Pay Just Now have partner ed with Finchoice without doing some research on their customers care.