Wes Bank Unhappy Customer😒

I am one of unhappy Wes Bank customers.I bought the car via Wes Bank in 2022 Dec.I pay R250 towards my arrear amount.When i checked my FNB App,the money was not reflecting,i tried to phone their call center but i was not directed to the correct department.This month August 2026,i saw an extra R195 on my monthly instalment,and no one explained anything to me in writing and there is no agreement i signed for that.When i checked on App i saw the VAP PREMIUM of this amount,i am really confused about it,i can't recall myself signing any agreement for that.