Undisclosed insurance fee amount

In February 2020 i made an online purchase at homechoice,and opted for the 6months repayment option.the invoice i received with the package the amount due by me amounted to R184,22 pm ×6 months.I made a scheduled payment with my bank to transfer the specified amount into the homechoice account every month for 6months,I have not received any statements from homechoice,the only communication from them was the payment acknowledgement sms and a call every month to remind me of my next payment.After my last payment which was in August,on the 12th i received my first statement stating two different amounts R189.39 and R192.74 which is due by me(so they say)but as far as i know i had made all the 6 payments.when i enquire what the outstanding balance was for,i was told its the insurance fee,i was not informed of any insurance fees,or outstanding amounts when the Consultants called to confirm next payment date,when i asked why was the amount not included in the invoice so that i know exactly how much I'm due to pay,I'm being told that the amount was stated at the back of the invoice under T's&C's. I feel i was not well informed regarding credit amount and their consultants were also rude towards me when i ask why should i pay for something i was not aware of,and also had i been receiving statements from homechoice maybe i would have been aware.This kind of service is unfair.i have the experience of credit accounts and loans and as far as i know all charges are included into the total due amount,so that the customer is well aware of their debt,but this one of having compulsory insurance fees and not being transparent with the customer about it,is cheating the customer.