African Bank / ******ion bank..

I had made a consolidation with African bank ( Worse decision of my life).. 4 years later loan agreement ends.. leaving me with arears amount with was out standing.. As loan agreement was a bit high due to the many insurances and policies added on the loan.. when the loan ended was told insurance on loan also ended.. but the price amount neva went down.. Meaning they still want me to pay for a policy that no longer covers me.. why must I have an installment which still includes policies/insurance which Was informed have lapsed.. 2. When loan ended and was to start settlement of Arears amount I was told if I make payment arrangements it will help stop interest from going up so made the arrangement 9 months later when checking the statement amount seems to be increasing rather than decreasing.. WHATS THE POINT OF PAYMENT ARRANGEMENTS IF THEY DONT EVEN DECREASE AMOUNTS OWED.. Looks like they want to bind me forever in this loan.. Considering that had taken out about 63k money paid back on loan was over 140k.. These are Worse than loan shark interest rates...As money to paid back is 100% interest & some change