Don't make the Mistake

I took out a loan of 11k. During the lockdown I was not able to make payment as my partner was not earning an income during this time and there was a possibility I would be retrenched. I was then retrenched and shortly after reinstated and my partner went back to work again. I then continued with payments trying to pay a little extra each time to catch up but my balance keeps increasing. I have made multiple payments for the 11k I borrowed but my balance is now 18k. They charge my a R300 "arrears fee" every month even when I make a payment because I am not up to date yet. Surely this is *********. No matter how much I pay you, I'll never settle this account so what is the point? I have made you. I've paid you the loan amount back already but I still owe you 18k which is almost double what I took. Which would mean the repayment is almost 200% back? Are you out of your mind?