Access facility is like a loan at Capitec or a loan shark method

I opened an access facility with capitec and used a portion of the money. Later on I deposited a portion of the money to reduce the principal debt but capitec is saying the principal debt can't be changed and will have to continue paying the initial debit, although the principal debt is now less. That's nonsense, how does access facility works? Is it a bond or a loan? Other banks don't do that, and you can't say I have to keep paying it for atleast 4 months. Access facility is suppose to stop and not pay, unless I have used it. Your agent is even telling me that I have to close it to not pay access monthly fee? That's not even stipulated in the contract. You guys operate like some loan shark from mdatsane in eastern cape. It's awful. Read on what aceess facility is and what you provide, it is not access facility. It's something else.