Crown Crest Capital complaint: Sandpiper Energy Solutions/Crown Crest Capital Lien

In Sept 2021, Scotia HVAC installed 1 heat pump. The heat pump was partially financed through Sandpiper Energy Solutions for a total $6,312.35 ($4,990.00 install, electrical and materials) administration fee ($499.00) HST. We made a payment of $1,198.00 at installation.
36 payments of $75.00 to Scotia HVAC for a total $1,875.00.
120 payments of $40.23 to Sandpiper Energy Solutions for a total of $1,005.75
Last month we met with our bank to discuss our mortgage and learned that Sandpiper had put a lien on our property. I called Sandpiper to get the buyout amount as the lien was holding up our mortgage. The buyout amount was $4,204.47 that I paid on March 11, 2024. There was an outstanding balance of $798.00, which we also paid.
When reviewing the total amounts paid between Scotia HVAC and Sandpiper Energy Solutions (Crown Crest Capital). This is what we have paid out:
Scotia HVAC 25 X $75.00 $1,875.00
Initial payment (at installation) $1,198.00
Final payment $798.00
$3,871.50
Sandpiper 25 X $40.23 $1,005.00
Final payout $4,204.47
$5,210.22
Total $9,081.72
The difference between the signed contract and amount paid out is $2,769.37. I called Sandpiper to question the total amount that we have paid with little satisfaction. The response from (Divia?) was unsatisfactory. She quoted complicated calculations to justify the almost $2,800.00 more than the contract. As a person that is trying to reduce costs as we move into our retirement years is disappointing.