Non Stop of payment.

In 2015, I had a consolidation with this bank, I lost my mother in August 2016 and I had to take care of siblings ended up being unable to pay ALL MY BILLS, Well I ended consulting debt review company, later in August 2017, things went well up until this particular debt review company failed to distribute my payments to my creditors accordingly, hence the lumpsum amount was being deducted from my salary , however I had to cancel everything with debt review company and handle the situation myself. Upon doing that I called all my creditors, explained the situation to them early in 2018. With African Bank I was paying R750, instead of R900 plus. I would like to know why I don't see any difference, the arrears are accumulated though I'm paying them, it's almost 8 years now, and really...really when will this account settles I'm approaching 9 years, when will this be called prescription of debt???, jhoo in South Africa, things are tough, my contract that I've signed was for 5 years. Can someone please intervene in this regard.