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Hello, thank you for the question.
I am a UK qualified lawyer and happy to help.
I presume that the increased payments were not contained or detailed within the agreement which you signed?
In that case there is a binding contract in existence and you would only be liable for the original payments. Therefore, if Saffron decided to escalate this and issue county court proceedings, you could easily defend the claim on the basis there was an offer and acceptance and you have maintained the agreement. You could also counter claim for the further monies you have paid over and above your usual payments to them.
I would therefore write to them in the above terms and ask for a payment to reflect the money you have paid to them over and above your contractual payments.
If required, I can help with a letter to them and I can also help with a defence if they decide to pursue you. The mistake is theirs and unless you signed another agreement to agree to the higher payments, they are bound by the lower payments and indeed they actually owe you money (not the other way around).
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Have a good day