Unaccounted-for Fees

Really disappointing service, took out a loan R15k in 2020, paid a few installments, then unfortunately Covid hit me, couldn't pay back. Pulled my credit report and it had 3x Uloans on it, showing I owe them R40k+ altogether. Phoned them about this and they have 2 of the entries closed, I never had these loans, so it can't be closed, it mustn't even be there. Got statement last month showed with interest and fees for all this time I owe just over R13k. Gathered the money and phoned them today to get final settlement so I can get this off my name and suddenly I owe R17k. In about a month suddenly there was an additional R4k in fees. What fees? All the fees were on the statement last month, where does these come from? I don't have the additional R4k and i won't have it for a while. I am not paying R13k and then have a balance of R4k which end up in R8k in another month because I can't pay it. This is nonsense. Don't use them, they are quick to help you but look at the nonsense they do behind your back.