Confused About some deductions by Wesbank

Did not have any problem so far with Wesbank so far. Had arrears and arranged for payments which I am currently doing. Really appreciate this. However I had a service plan and a warranty with Motorite which are all part of Wesbank. These plans have both expired, one in July and the other on 26 August. Wesbank sent an email explaining the expiry but they are saying this has no effect on my instalment. How is this possible because when I app**** for these policies my instalment increased. Now that the policies are expiring bt no change you still collect money for something that you do not get a service. This is very unfair on my part and I am very unsatisfied since this done without my consent and without any explanation. How am I supposed to know why is this so

Unhappy Evison Shoko