How could it be

Good day, i want to find out. I am on debt review and there has been a contribution to my loan and credit card account for the amount of R428.65 per month for the last 2 years on these account together<br> <br> What i want to no is, why is your interest so high is it not ******* to make the payback of this account more then the original amount. The amount i know owe is the same as i started with it was 2 years ago although almost R10200 was paid to this account.<br> <br> Can someone please explain to me or supply me a discount settlement to finish this account. Because the interest u ask is to much