Poor customer service/ follow ups

I have been having the run around with African bank since i started. I took out a loan in Feb 2012 for R25000. I paid this account for about 29 months and paid over R29000 plus minus. The account balance remained R20000 after 24 months of paying the account, I queried it and they said that i took a loan for 54 months. Now I called in and told them I cant afford the payments was unemployed for some time and relocated. My salary changed since I took the loan out. In January I called collections *** and wanted to find out if the give me a reduced settlement amount as they offred me via sms and I pay will this account be closed. They said they gonna provide me with feedback, this never happened. The same day I called in again and spoke to someone else and was advised different, I have to pay over 35000 back. When I stopped paying my account every month went up with R1500 plus minus, why is that cause it seems like you are charging me the installment on top of the outstanding balance. Your accounts department dont know what they doing. I am unable to call everytime and waste airtime to get different result all the time.<br> <br> All I want is to make arranegments to pay R100.00 this year