Aqua Finance review: Personal loan on hvac

We got this loan 11/17. Our heater went out and the AC company Comfort Heat and air said we needed a new one. They sent out a sales rep. We ended purchasing a unit at about $13,500. The original paperwork has a 6.35% rate for the first year and 13.5% rate after. The paperwork doesn’t say anything about them taking $99 off the top of my monthly payment for interest. That is almost 50% of the payment used for interest plus the 13.5% interest. We’ve been paying almost 7 years and with a13.5% interest rate we should be right at paying it off or very close but the balance is still around $9k. That is usurious and illegal in Texas. No where in my paperwork does it state that they can take $99 monthly of my payment for fees or interest. The math is just not mathing for me. Our original loan was thru connexus and sold to Aqua but they can’t change the terms of my original loan.

Honestly, never use either of these companies! Aqua or comfort heat and air. They got a big scam running on their customers with these predatory loan sharks.