WORST SERVICE EVER!!!

Shoot me if i ever take anything with homechoice or finchoice, I placed an order with home choice in November 2018, The order was taken over 3 months and it was paid up within 2 months, in January i placed another order over 16 months, so now when i go on to my credit report it shows my installment to be almost R2000, the current balance is R3300, how did it even get to an instalment of R2000 a month when the remaining term is still 16 months and the balance is R3300. I tried to call them to sort out the problem but the lady i spoke to was not willing to help, she had a stinking attitude and the services was nothing i hoped for, when i click on order details it shows the installment to R400, when i placed the order the total installment was about R285, i bought the items on sale, And another problem i have, i took a Finchoice funeral plan and i was told the installment will be R46 or so, so when the debit order went off they actually debited R178, I called to cancel they said they did and they even sent me a confirmation sms confirming the cancellation but this month on pay day they debited again and worse i had a finchoice mobi money account which has been reflecting with two big installments on my credit profile for one account which i paid up and tried to close. This is the worst company i have ever dealt with my entire life, and if you don't wanna feel like i do now, stay away from them. This kind of frustration is really not healthy.