African bank sabbotaging its own clients. Death trap for poorsouth africans

So I got a loan of R48 000 and because of my financial strains i skipped few months without paying. Therefor after those months went to the bank made arrangements. They said fine i can pay R800 a month. Now it been 5 years and to my surprise i call want to check my balance they say it R177 000. How is that possible whilst i've been paying ok fine now i ask for a settlement amount they say its gona be R185000. What the hell. Isnt that it must go down when i settle or cut the interest. Im so very disappointed in african bank its a **** u will never finish paying their loan. Its a death trap. I wish i can tell everyone never ever go to african bank its a real **** and robbing people.