High interests rates

I phoned today to enquire why my interests rates are not stable, reducing even if i pay every month to reduce debts. I spoke to different agents : Jenna, Kagiso, Andrew and lastly Zingisa, whom i asked to speak to her Manager Marvin. I haven't use credit facility since May, i pay everything month but yet the interests rate is way too high even though the debt it is reducing, furthermore SARB reduced interests rates by 25point basis but i did not see any difference with Capitec. Today i phoned and no one could not assist me, they took me from pillar to post and don't know what the **** i am talking about. Typical example, Sep my interest rate was R1781.75, for Oct it is R1801.23, it should be less but it is more, i mean what nonsense is this with Capitec? How many of your clients you are ripping them off because they do not pay attention to their accounts like i do? Please sort out my account asap before i escalate this to banking ombudsman. You cannot keep interest rate high when debt is reducing and i want to see a difference because SARB cut the interests rates. I did see a difference with your competitors what is wrong with you Capitec???? please stop your nonsense by bankrupting people with high interests rates.