FNB Yet Again!

Yet again FNB. I received a pre - agreement on a personal loan I app**** for of R 99 000.00 which confirmed this amount. There was mention of a Initiation Fee in the fine print but no value was provided in the quotation. Surely clients must be made aware of this cost. Now I borrowed R 99 000.00 in March 2019 and after making my first payment I receive a statement stating original loan amount is R 100 207.50 and balance outstanding R 99 300.00. Also the quotation states 22% fixed interest however on the statement adds another 1.83%. Whats even more worrying is that They add the interest (R1 875.76), CPP Insurance (R320.66) and a monthly service fee (R69.00) onto your total outstanding balance increasing the balance to R102 654.11 which in effect means the balance increases so FNB is then collecting interest on Insurance and service fees which surely is *******. So when I make a payment of R 3 292.51 my balance is then exactly the same. Of R 99 300.00. This is pure ****************.