False promises

Hello everyone I have tears in my heart right now. I hope Hellopeter can help me sooth this pain. I was so excited to take a loan to help me with my personal needs. I went through a divorce thus it was so hard to get help anywhere i was left with nothing except with my clothes I had. Capitec says they are there to help people they have free monthly fees blah blah blah. But how do they balance being unfair to us on the lower earning bracket for overcharging us on loans. They promise and dont deliver. Here is my story I took a loan with them in October 2019, an amount which was not even enough, the contact stated 24 mths payment period of R20 000. My instalment was R2018.00 at that point. I was told I can review the loan account in 6 months and drop instalment to pay back. I did that but no one could help me. Anyway long story short, covid came and I had to work 6 months with half my salary. I phoned them and begged I meaned begged to drop my instalment they refused only offering me a payment break which I took as I was desperate. Now a loan which was supposed to be paid up this year October 2021, is sitting at R27216.98. And they have added 2 yrs more to my payment plan but initially they refused to give me a comfortable payback plan. I am not the only more people have experienced this when I explain my side of the story. Please help and give me a clear answer and can I get a lower premium I am really struggling with this now. As is they are getting 48 mths. when something was going to be 24mths. I am in emotional distress please help. God bless you.