Smartpay Straight talk Losing phone minutes everytime they shut my phone off Orlando FL Florida

I got a phone from smartpay and the phone payment is $98 a month and then the $45 phone minutes. When I cant pay the phone payment they shut off my phone and you can put phone minutes in reserve for the next month and every time they have turned my phone off I have lost my leftover minutes if I have 2 months worth of minutes on my phone they shut my phone off and then my left over month and my next month minutes are gone and they do not give them back to you let's say I have 5 days of minutes left and they shut my phone off on the first day I get it turned back on the next day and I have to buy a new minute card. The phone payment was not supposed to be that high it said $60 to start with. And they dont let you make payments unless its what's due on the due date. Or you are paying the phone off. I'd like to have all the money back I have lost on phone minutes.