I think you have your wires mixed up, I been asured by 2 supervisors (which I have the convo recorded also for my own record) where they have stated it's $160x2 as it's paid in 2months. Either way I think it will be right if it's going to show differently (which I do doubt) I'll simply call consumer affairs and show the proof of the recording and just pay the $160x2.
I am agreeing with you that if you pay it off early you just pay the $160 x2 penalty.
The $3800 (total) i am referring to is if you let it run the full course of the 24 months.
As you intend to pay it off within the interest free period you would just pay the normal penalty, so we agree! Sorry must have lost something in translation.