over charged

ID: ***<br> <br> Back in 2007 i took out vehicle finance with Standard Bank for R120 000 payable as R180 000 for a period of 60 months with a down payment of R20 000.<br> <br> I have come to the conclusion that i have paid over and above the contract of R180 000.<br> <br> Statement 63, dated 2012/10/13 to 2012/11/14 depicts an amount of R167,302.70 total paid to date.<br> <br> On the 24/01/2013 R3000 paid<br> <br> 26/03/2013 R2500 paid<br> 23/08/2013 R2500 paid<br> 21/10/2013 R2500 paid<br> 19/12/2013 R7000 paid<br> 24/01/2014 R1000 paid<br> <br> Total = R185,802.70<br> <br> I was then told to pay an additional R14,372.00 to settle the account.<br> 10/02/2015 R14,372.00 paid<br> <br> In Total R200,174.70 has been paid.<br> <br> I personally feel as though i am taken advantage when in actual fact throughout this contract i have maintained a brilliant payment record apart from the months i did not pay due to unemployment which the bank was notified at the time.<br> <br> I would appreciate if someone would explain step-by-step on how it happens that i pay R20 000 more then i should pay.<br> <br> I have kept every statement since i started this account and will be happy to compare them with records from the bank.<br> <br> I need to get to the bottom of this ASAP