No personal experience with them; however, I share your opinion completely."Kapaga is a trading name and a registered trademark of Finadvant Ltd."
https://finadvant.com
Those high SWIFT and monthly fees makes company seem like an Eastern European laundromat based in UK.
Then I looked at Directors of company in UK Companies House . All makes sense to me now..no offense to anyone.
https://find-and-update.company-information.service.gov.uk/company/12852382/officers
Btw Kapaga sounds like name of a Kenyan Steeple chaser.