Capitec Westgate 6B

Good day

I took a personal with Capitec bank in February 2016 and was approved , I received the cash and later that year around 3 months later I went back to Capitec bank Westgate 6B and was assisted by their consultant , I wanted to settle the loan at that time and she advised that I was unable to settle it , the system showed that it was too soon ,I was very surprised and she advise that I go back after 3 months ..I no longer had the money to settle it after that time and I went back after months to make a payment arrangement as the installment was too high for me and could no longer afford it , the consultant called their call centre and I got assistance , they made a payment arrangement but I was not advised that the term was being increased , everything was done over the phone , I did not sign for it .The past Friday I went back to the same Capitec bank Westgate 6B to inquire the balance and it showed I was still owing alot of money when we calculated it it added up to that I have only paid R 8000 for the loan within a time period of more than two years because the term was increased without my knowledge , I had taken a loan of R72 000 and the balance around is R 64 000.I am unhappy with Capitec's service and also want to take it further with banking Ombadsman , as I would have paid the loan at that time I wanted to settle it now I am stuck with debt that is not moving