African Banks Reckless lending

I have app**** for an African bank loan approximately 10 years ago. The loan was approved Instantly and I was approved for a credit of R32000 on a salary of R4000 a month.

I had accepted the loan as I needed the money, but since I took the loan I wasn't able to meet the repayments of ±R1800 a month.

Eventually after a few years I received a call, requesting payment arrangements and I had advised that I am no longer employed and so on, the consultant had asked me for my documentation to put through a claim for the insurance to pay off the credit as there was an insurance available on my loan and credit card.

I had submitted all the required documents and was then called up the next month for payment again. When I questioned the Insurance process, I was advised that it was not possible for me to claim for insurance as my contract has ended and was also advised that I will not be charged anymore interest on my credit card neither on my loan, so whatever I pay towards my credit card will bring my balance down by that amount and same for my loan until it has been paid off. So I tried to pay R50 a month to each of which on some months i wasn't able to pay anything, and after I've been re-employed I've been making arrangements to pay a minimum of R100 a month towards each account.

Since then I've been making a minimum payment of R100 per account on a monthly depending on how much extra i have for a month.

I have also tried undergoing debt administration at that point but had the order rescinded about 3 years later as the administrator was barely paying anything to any of my creditors and did not negotiate any amount with any of my creditors neither bring my balances down by what would have been expected to have been sitting at after the time of checking up with my creditors directly.

So anyway , I've been reading about African Banks reckless lending this morning, of which I somehow didn't seem to be aware of at the time of the matter going on.

I pretty much believe that I am also a client of African Banks reckless lending as the credit approved wasn't logical compared to my earning at the time. I have been paying African bank since 2016 yet my credit was approved in 2010/2011.

Was I not supposed to have been one of those clients whose debt supposed to have been written off at the time of the reckless lending issues been resolved by African Bank?

Is there anything that I can do now to have this debt written off as it was a reckless lending credit and its been ±10 years already and its still sitting at R48400