Capitec

I've been in a **** and couldn't pay for one month I've been paying more than I should and Capitec picked up the 17% to 21% and lowered the amount of loan from 13 000 thousand to 117 000 thousand and picked up my monthly payment they also charge me almost 3 000 fee's and admins per month wich make it impossible to finish pay this loan if people just open their eyes and see the costs they pay by Capitec is ridiculous and when I phone them they say I must go to the bank when I go to the bank they give me an email adress you just go in circles and get nowhere