Inacurate debt

<p>In October 2011 capitec bank borrowed me an amount of R18 .000 with interest it was up to R25000.Then i managed to pay up to six months then i default. In may 2014 i was garnished with an amount of up to R35 000 They deduct an amount of R1000each month up to now i already paid them R32000 but i was shocked on the 04/01/2017 when i was told that my balance is R10.000 my intention was to settle it because on my payslip the balance is R3.500which i will end up paying themR42.000</p>