Loan repayment contract

<p>My aunt (client number ********** ) took out a loan in 2012 to pay for a cellphone contract that she defaulted on. The contract stated that the loan start date is 04/05/2012 and the end date 30/04/2014. it is now 18/07/2017 and she is still paying the loan. Why is this? They first told her that they will refund the money to her and this morning when she enquired about it they told her that they won't be refunding anything to her and they will tell her when her loan is paid up. What is going on here - are the poor people being exploited?</p>