Hell of interest amount

I once complain about African Bank charged me, R1140 to transfer money from their account to my account. I never see any changes. I took a loan of R2000 and I paid an amount of R25598 off wish I was still working by then only to find out that they charge me an interest of R22888 which means if i borrow R20 000, I should pay an amount of R48 486. I want to settle this account cause they even send my name to Debts review that also took my money promising that they will negotiate to cut all the interest but that didn't happen. I paid the company to take me out of debt review that also cost me R9800, I spoke to my Lawyer about this and they told me that I should bring all necessary document with the settle amount only to find out they give me 30% that is +R16300 which doesn't even make a different.