VAP premium outdistancing

i have a problem on my car installment i have a VAP cover-plus .

last year VAP was deducting R 127 but for the past 3/4 months there's a R 508.274 with a description of VAP premium outdistancing dept

i never not pay my car i always had money for installment in the bank

i hate this really and i am thimking of cancelling this nonsense