Unfair treatment even though cooperating.

Overdraft R90 000. Fell ill in 2013, balance R72 000. Wife made monthly payments. Had to close shop due to theft. Never stopped paying. Thebogo phoned requesting financials, say closing acc, I must pay R50000 pm. Said it will be difficult but I will try, did pay. Got sms from Cathy in Jhb, must pay R935 or face legal action, she explained it was interest, was not told to me only R5000. Thebogo said it was from R90 000 overdraft, I said I cant pay back R90 000 if I only used R72 000, think there was misunderstanding as Thebogo said I must pay back R90 000. Asked her to reduce payment as I cannot pay back R6000. Said she will change it to term loan, payment R2400 x 24, starting 9 April. She phoned me said I must pay R6355 or they cant process application, I did. 2 weeks later Alta from Jhb sms say I must pay R6000 or face legal action, she will phone Thebogo. Thebogo phoned me as said app is declined due to irregular account. Must wait for legal to phone me to make arrangement to pay. I cannot accept this as I was paying whetever they told me, while trying to reduce the payment as I cannot pay R6000. I am not at fault here and do not accept this.