Personal loan *******

I had taken a personal loan with ABSA in 2017, i then did a top up in 2019, when i did the top up the consultant did not inform me that the payment term will start from 2019, now it shows that i only paid for 18 months and still have 22 months to go, this is totally unacceptable behavior from a FAIS compliant institute. I then ask what the settlement amount is on my loan, I still get a high figure, what has happened to all the funds that i have paid prior to the top up? I have 2 bonds with ABSA, my personal account and this personal loan and after getting this kind of treatment i am obviously going to change everything from this bank and will never recommend anyone to this bank. Day light *******, this was suppose to be a financial institute and was suppose to provide its clients true and correct information with no hidden agendas. I am very disappointed and upset.