Ridiculous charges

Hi<br> <br> I took a loan of R24749.00 with African Bank last year November my monthly installment is R1162.82 also I m in arrears of R2314.09 but instead of paying R1162.82 per month I increased it to R1300.00 what I dont understand how come bank charges are R976.89 and I m only paying R323.11, even on my arrears amount theres no difference as I m paying an extra R137.15<br> <br> How am I supposed to finish paying this account if your charges will be more than what I m paying you.<br> <br> Thanks<br> <br> Noma<br> <br> <br> <br> <br>