No Settlement Balance

I have an account that was handed over to MBD for collection. I was paying 250 a month an was supposed to have finished paying off the account end of January. However MBD debited my account twice in December so I assumed that settled the account. Towards the end of January I called MBD to get the balance on the account but I was sent from pillar to post and told that I couldn't get the balance over the phone someone would email me the settlement balance. Suprise! I only got the settlement balance today on the 10/02/2015 for 168.00 and I'm told it's only valid for a day as interest is being charged daily. How did we get to 168.00, why didn't I get the breakdown of my payments. Really, so when I asked for the balance you couldn't give it to me over the phone because there was nothing to pay now you come up with a balance of 168.00, how?