Settlement

I have a loan with African bank which I took a few years ago for 15000 and shortly after a few payments I lost my job. I went to the Randburg and Southgate branch to inform them of this and that I would be unable to make the full installment.

Long story short both branches told me to wait for a phone call from the head office and in the meantime I'm still unable to pay the installment. Fast forward a few years later they call and hang up until I learned that I'm charged for the calls because in one of them the consultant mademention of this (Hope to have been the only one experiencing this because if not then it's a RIPOFF and a **** bank).

I requested for the recording with no luck and that wasn't the first because in most of the calls they've made to me "I keep dropping calls on them" even after explaining to several of their untrained staff. I then finally made arrangements for R200 due to unemployment and was told that my balance has increased to 28k. When I ask for them to let me know how the amount got to that no one could explain so I stopped paying because I wasn't going to pay an amount I don't know of.

I also picked up that they will make sure that you don't finish paying your loan. On the last they gave me a discount which you don't have an option of paying in installments but can only be paid once off.

How is it that I'm able to make arrangements with other institutions but not African Bank to pay X amount for X number of months or does the so called bank work under a different regulation?