NO SETTLEMENT LETTER GIVEN AFTER DEBT REPAYMENT

I have repaid my DirectAxiz account which was handed over to VVM. I need the settlement letter to have my name cleared off ITC. They sent me an email with the last installment to the amount of R553. When I phoned them, the lady told me it was R600. I told her I had a letter stating the R553. She said it was ok and I will have to wait for my settlement letter for 31 days. 31 Days? It is just a letter stating that the account has been paid in full. Please help me obtain the settlement letter as I am afraid they will come with more stories. When I made the arrangement to repay the debt, they said they HAVE to do a debit order otherwise they WILL charge interest no matter when the payment was made. I let them load the debit order after which I had to do EFT anyway because they never let the debit order run through. PLEASE HELP. I think they are taking people for a ride to make a quick buck off interest.... or maybe even worse.