CRAZY FEES FOR LATE PAYMENTS AND ALMOST DOUBLE PREMIUMS ADDED TO MY ACCOUNT

HI I WAS GIVEN A CREDIT BY THIS COMPANY AND OFFERED TO BUY PRODUCTS AND USE THIS PAYMENT COMPANY TO PAY IN 3 MONTHS EXCLUDING INTEREST OR FEES I DID TWO ORDERS WHICH TOTALLED TO R1100 SOME CHANGE THE INITIAL IN JUNE OR JULY AND THE SECOND IN JULY I PAID MY FIRST PREMIUMS AND IN JULY I HAD SOME ISSUES WITH LATE PAYMENT FROM MY EMPLOYER WHICH RESULTED IN NON PAYMENT FOR TWO INSTALLMENTS AS I HAD DONE TWO ORDERS I WAS DEBITED ON THE 02/09 FOR A SINGLE AMOUNT AND AN AMOUNT OF R317 SOME CHANGE ON THE 05/09 WHEN I CONTACTED THE CHAT BOT THEY REFEREDD ME TO A CONSULTANT TO VIEW MY CLAIM AS ON APP THEY SHOWED ME STILL OWING 3 PREMIUMS WHICH WOULD NOW BE DEDUCTED ON THE 07/09 AND THE 14/09 FOR WHICH ID ALREADY PAID AND WHAT IS EVEN MORE RIDICULOUS ACCORDING TO MY DEBIT ORDERS AND PAYMENTS IVE DONE 5 PAYMENTS SO ONLY ONE WOULD BE OUTSTANDING BUT IT LOOKS LIKE THEY HAVE ADDED A WHOLE 3 NEW PAYMENTS AS ON THE APP IM STILL OWING R479 SOME CHANGE, WHEN IVE ALREADY PAID A DOUBLE DEBIT AND SINGLE DEBIT IN SEPTEMBER ITSELF THE CONSULTANT TELLS ME EACH TIME I MISS A PAYMENT ITS BILLED AT R145 AND THIS IS RIDICULOUS EVEN INSURERS AND BIG COMPANIES DONT CHARGE THIS MUCH FEES AND LATE PAYMENT PENALTIES AND THEY DID SEND ME SMS STATING LATE FEES ETC APP**** BUT NOT SO MUCH TO CREATE AN AMOUNT ALMOST NEAR TO ONE OF MY ORDERS ABSOLUTE ****