Settlement fees for what?

I will forwver rate plate 42 due to i dd return the car...so from our previous conversation with one of thier consultant,since they denied me reduction of installment of wich we dd pbase tht out..the onky thing i was asked to pay was the cancellation fee of wich its the same as the installment amount and yesterday from thier other consultand of which is Thembeka i was asked to pay the settlement account of which from our aggreement of rent to buy car that i was taken throught it before signing it says tht i can cancell the car even in a month after signing it and the only thng tht will be needed is the cancellation fee nothng more than that...so i was so supprised that they asked me for settlement amount of R64000 something and i dnt understand it and i dnt believe i will be able to pay that maybe we can have the recordings of our conversation since we spoked about cancelling and maybe revist the contract we had about rent to buy cars