African Bank!!!!

I have been under debt review since 2015. Unfortunately in 2017 I was retrenched so I could no longer meet my payments. But, I now realise that the credit card is still being charged insurance which covers retrenchment. The letter was sent to African bank back then. Why was this not written off.

Also I had a loan. Principal Debt - R18 640.00 Payments Made - R 21 746.83 Insurance - R 2 665.34 Interest R 16 704.28

This one also had insurance, but with retrenchment the debt was not covered? The agreed interest rate on this loan was 32.65%. On debt of R 18 640.00 the interest should have been R 6 085.96 and not R 16 704.28?