Viceroy responce

Got a ****py little sms directing me to a link, there's no response about the excessive interest being charged by Capitec of up to 155% I believe Capitec is a loan shark bank I'm stuck with debt that's been repaid I'm still basically just paying back interest and then some , call centre staff can offer no positive solution or deliver individualised service, think we should all just pay back the principle debt and default on the rest and sink this bank consumers are over charged and forced to borrow monthly