CCP OVERCHARGED

I am writing regarding my personal loan account with FNB. I have paid approximately 50% of my loan; however, I have noticed that the Credit Life Premium (CCP) remains unchanged. I understand that the premium is charged per R1000, but I would like clarity on how this applies given the reduced outstanding balance. I hereby request the following: Cancellation of the Credit Life Cover (CCP) linked to my loan and a review of the premiums charged to date, including a refund of any excess premiums if applicable.

Kindly provide a detailed breakdown of how my credit life premiums have been calculated.