Unwilling to allow me to pay "delivery fees" cash and finance only the base price of the vehicle

Tried buying a car from Trade Auto Motor Corporation (Nelspruit). When I asked the sales person to send an 'Offer to purchase' she phoned and asked why I want that. I was upfront with her and said I would prefer buying a car through my own bank and will speak to them myself. She then said they can get me the same rate as what I would get by speaking to them myself and that they prefer doing the finance so they have control over payments etc. I said thanks but I prefer getting my own finance. When receiving the quote, there was a charge for "delivery fees". Given that we were going to pick the car up ourselves and pay any extra costs cash, I asked what the delivery fee is exactly. She said its for roadworthy test, on the road cost and delivery.

I then asked if she could send a quote with a breakdown of the "delivery cost", so that I can send that to my bank. Given that some of the fees are not allowed to be included in the credit agreement by law(National Credit Amendment Act of March 2014). I didn't want to be in breach of the NCR. I also asked for a brake down of the License and reg fees as I could probably do it myself since I was from a different Province. She then said those fees are seperate and they can do all of that and deliver it to me even though I am in a different Province. I said thanks, then leave that and please only breakdown the "delivery fee" on the quote.

She then told me that the fees are to get the car ready for delivery, and asked me if I have a problem with it. I said no I don't have a problem with the fees added, I just want a breakdown of it on the quote, in order for the bank to see exactly what they can finance and what not, which I would then pay for myself.

She then proceeded to whatsapp me a breakdown and I quote: "Roadworthy R400, Valet and Polish R***,Fuel R500+, Gift R300+, Driver's driving around, no charge for toll and fuel if they deliver the car"

Super confused I said thanks for the info and asked if she could provide it on the quote so I can submit to my bank. She then phoned and long story short said she will cancel the transaction as I am accusing them of being ******** (or something to that sorts). I then again expressed that the issue is not with them, and that I only want to finance the fees that are allowed to be financed according to the NCR and pay for the rest cash.

Eventually got hold of the owner, he told me that he has no obligation to give me a breakdown. That he has been putting the delivery fee on the finance for more than 20 years with no issues, and he will not be put under scrutiny by a client.

So from what I understand, if I had simply financed the "delivery fee" there would have been no issue, but because I asked for a breakdown of that fee so that I can decide what needs to be finance and what will be cash I put them under scrutiny? I am so confused.