Rewards delinquent payer and exploit good payers.

I app**** for a loan in 2018 and got approved for R160 500.To date I have paid them a total amount of R304 146,15.I called to ask for a settlement amount and I was told it’s R101 367,51. The consultant advised that it’s what I agreed to when I signed the contract but was unable to provide me with the contact.How is it legal to pay R400 000 for a debt of R160 000.She further told me I was offered a discount to settle my account in June 2023,R120 000 was the offer,that’s 70% of what I was loaned . I have not been able to apply for credit for 2 years yet I was have been paying them R5434,99 every month.My account was in arrears as a result of the payment break they offered me. They offer people payment breaks in order to extend the term of the contract.They punish good payers and reward bad payer by writing off their debt.May I be contacted regarding this because I am very unhappy with this loan shark type of business practices. I do not have money anymore, I already gave them almost double of what I borrowed. I need help!!!!