Nikon camera issues

Good morning. Hope you are well.

I am still a very unhappy customer at Makro Springfield Park.

I have given my camera in for the second time now and they have send it to nikon itself, i received a message yesterday saying - Makro Assessment reference ***. The assessment/repair agent has quoted to repair your product. Your approval is required. Visit www.makro.co.za for store contact details. I phoned them to query about the payment and to why i must pay for them to fix it if the camera is not even 2 years old. The rubber started peeling off as well, they are now charging me R637.26 to replace lens unit due to component failure,clean,check and test. To replace double sided tape, left grip rubber,rear rubber and grip rubber to worn out rubbers. On the qoute they states there please note worn out rubbers are not covered under warranty, and im pretty sure i was not informed about what is covered and what isnt covered. I did request for my contract or an agreement signed by me, stating what is and what isnt covered. I will not pay a cent to get this camera fixed. I am paying every month and never missed a payment. How can i be using something that is not even working properly. I have now had it with Makro.Please help.

Thanks Mandy