Capitec Reckless Lending & Dire Consequences to ill advised Consumers

I app**** for a personal loan at Capitec in 2016 which was granted after which I still needed additional funding in 2017 when they granted me a second loan. I was paying both loans on a monthly basis as promised and agreed until i realised that I was now over indebted and should not have taken both loans. I then signed up for debt review where these two accounts were included into in August 2018. I was then paying same monthly on debt review. I went off debt review and started paying my accounts myself directly again in 2019. Capitec could not pick up these two accounts and on a few occassions my payments were repaid back into my account after which i stopped paying. I was then approached by attorneys years later to start making payment, which I did to date. Last year November before I received my bonus I approached these attorneys for a settlement amount in order to settle these two accounts. Thee would not budge on letting me pay on a discounted rate that I proposed only their ridiculous rate. I need assistance from someone in what to do with these two accounts as I want it off my record and I am going to pay until my death as I am paying R150 and R250 on a R98000.... debt. Please help me.