Debts on loans

I was on debt review but upon realizing that I am being debited after pay day and my accounts are paid a day or 2 before I eventually deregistered on the programme. I started making arrangements to pay my debts directly. Capitec is reaping me broad daylight, there are months where I pay more than the agreed amount but the interest that they are charging me is an arm and a leg. Does being a good citizen mean that you need to suffer for the sins of nonpaying clients. The debts that i am referring to are old debts and according to the law there is a certain stage that an old debt no longer accumulates interest, what is different with Capitec or was my crime owning up to the fact that I owed them. This bank is manipulative and needs to be brought to book.

The interest is 24.5%, I asked for it to be reduced, I also pay when I have extra cash on hand. So I need to dealt with seriously. I was handed to HP Attorneys by Capitec and they are demanding R5000 a month, where do I get that kind of money from. The HP Attorneys number is number is : ***. Its been almost 4 years now am paying its not going down but up. Madness Indeed.