insurence and settlement

hi i am under debt review and have two accounts at african bank , i still owe R16610.00 on the one and R21586.00 on the other one, im working my but to pay every month but my accounts stays behind now i wanted to settle the accounts but the settlement amount is even more than i owe, how can that be possible ? <br> i have had to take out an new insurence after going under debt review, but african bank revused to cancel my old insurence, and already paid olmost 15000 extra just for that on this moment im so sick of african bank,<br> <br> seems the only thing they good at is steeling money from there cleints