Mystery Settlement

My outstanding balance is R190.99 however when I inquire the consultant said I have a settlement balance of R1615.39. I do not understand where the settlement amount comes from and the consultant said its interests from last year since May, and yet I have been paying the full amount all along, which includes the interest.

African bank deducted R589 from my account this month whereas i am suppose to pay the outstanding balance of R190 and finish off the debt without coming back to me as they have been saying they are investigating for the past 2 weeks.