Exorbitant Cancellation Fee with no breakdown.

I had been a customer for approximately 16 months of a 36-month agreement, paying a monthly subscription of R163.50 on a contract which I cancelled in June 2026. Upon cancellation, Tracker issued Tax Invoice INV*** imposing a “Settlement” fee of R2100 VAT incl. I disputed this charge on the basis of Section 14 of the CPA, which requires that any cancellation penalty be reasonable and reflective of actual costs incurred, rather than constituting a punitive charge. I have made multiple attempts to resolve this matter directly with Tracker, including formally requesting a detailed breakdown of how the settlement fee was calculated. However, Tracker’s finance team has failed to provide any itemised cost breakdown. Instead, Tracker has asserted that the fee is “reasonable” solely because it is lower than the remaining contract value of R3,270.00. Tracker has not demonstrated how the amount charged correlates to actual economic loss or administrative costs, despite my requests for transparency. In the absence of such justification, I am concerned that the fee is punitive in nature and therefore inconsistent with the CPA’s requirement of reasonableness. They have now tried to continuously debit my account with different amounts despite the ongoing dispute with the settlement amount provided.