R37000 IS FOR WHAT

I have bought good(3 items) from Lewis Store Protea Glen that costed me R43 000 including interest, i'm paying an amount R2250pm of which in 20 months (august 2025) I shall be finished with an amount of R45 000. but my contract show that I have to pay R80 000 with the extra cost they have charged me. contract maintenance that is very expensive (R4600) extra and the insurance they don't want to remove even after i have submitted my own insurance that covers for more than what they offered me before... I HAVE ASKED LEWIS TO CANCEL THE MAINTANANCE CONTRACT BUT THEY REFUSE THEY KEEP ON GIVING ME LONG STORIES 36MONTHS FOR 3 ITEMS IS TOO MUCH... TV R12000 FRIDGE R12000 WASHING MACHINE R8000 THAT IS R32000 PLUS INTEREST THAT AMOUNTED TO R43000.... SO THE EXTRA R37000 IS FOR WHAT?