Capitec loan a **** and ******ing people.

I took a loan of R68000 in 2018 with payment plan of 5yrs which I paid R2200 pm. Today I was supressed when I asked for settlement amount because I wanted to pay the loan and close the account to fund out to settle the debt I have to pay R50980 Its like all these years I have not be paying..This is a day light *******. I'm thinking not to pay this account anymore and just change banks and if you put on credit bureau it's fine..Ive paying all this month without skipping a payment.