Interest, Service fees, VAT on serv & Arrears Inte

I am slammed by this Credit provider....<br> Firstly I went to African bank to help me with a loan in January 2013 to help me pay for an operation my son needed the amount I loaned came up to R13,100 over 36 months.<br> In March I was on 4 months unpaid leave, me advising African bank of this. But still each month they tried to debit my account shooting my bank charges through the roof. September 2013 I had to leave my job due to my son being ill to often. December 2013 I placed myself under Debt review due to my debt getting too much. At this stage my African loan was on R15 160.48 due to interest. My Debt review company then paid you R183 per month for this is how Debt review payments work. In Nov 2014 I stopped my Debt review due to my debt getting bigger and not smaller.... Today I request a statement form African bank and find even though I have been paying you each and every month my loan amount is at R21,572.07 almost DOUBLE than what I started with.... Please could someone explain what the hell this is???? And why I am paying Insurance of different amounts each month adding up to R4045.05 but I'm am not insured you are... <br> <br> NB: 31% interest on R13 100 = R17 161 not R30 962.57.