Loans gone bad at African Bank

I had a personal loan with African Bank in November 2017 and understood all the terms and conditions and all the additional monthly charges that came with it. In April 2018 I was retrenched and I submitted all my relevant documentation to claim from the insurance. I received 2 SMS' confirming that my claim was processed. I then thought my debt was cleared... Only to be notified a year later some time in July 2019 that I have one installment outstanding and the arrears interest, service fee, VAT on charges and insurance fee was hiking up my outstanding amount from R981.46 to R2182.58 currently. I went to my nearest branch and the lady informed me that even though my claim was processed, I was suppose to come to the branch and bring my documents to update my unemployment status after that, which I had no clue of, because no one mentioned it. I was so shocked! I made a payment arrangement in from October 2019 for R200 per month, but because of all the monthly charges, my balance was not decreasing and I then laid a complaint with African Bank in November 2019, asking why I have to pay for insurance when I do not have the loan any longer. African bank then did nothing to solve the issue and I decided to stop payments in December 2019. I noticed that they only removed the monthly insurance charges from my statement in June 2020 and I started with my payment arrangement again in September 2020 of R200 per month. I have been paying since September 2020 to date and increased my payment to R300 in December 2020. Even though I am paying more monthly the balance is trickling very slowly down, because I am paying approximately R123.00 just for interest, fees and charges. I think to date I have paid approximately R1800.00 in total, when I only owed less than R1000, but I still have debt of over R2000 with African Bank, struggling to pay it off. I feel unfairly treated and ******ed with my money through monthly charges. I know African Bank can do something to reduce my amount of debt, but no has solutions at the Bank.